This Time I'm Really Going To Do It

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  • Watty1
    Watty1 Posts: 4,898 Forumite
    Name Dropper Combo Breaker First Post First Anniversary
    Thank you all for the lovely kind words and supportive posts. I've been meaning to come back for a few days but life - or maybe it was me - just unravelled and everything became overwhelming.


    Doggy doing ok. We had a crisis Sunday but hopefully that was a result of dietary indiscretion rather than the cancer. Couple of trips to the vet Sunday, back again yesterday but he seems to be doing ok for now.


    Just off to cook more fish and rice for his dinner. Will start catching up with everyone's news over the next few days.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • greent
    greent Posts: 10,670 Forumite
    First Post Name Dropper First Anniversary Photogenic
    Lovely to see you on here - and am glad to hear WattyDog is doing ok :)


    xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    Glad to hear the pup's doing ok. :)
  • smallholdingsister
    smallholdingsister Posts: 4,018 Forumite
    Lovely to see you. Xxx
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Name Dropper First Post First Anniversary
    Thanks for posting, Watty, and a couple of trips in one weekend doesn't sound like fun at all - still, if you're in a breathing space right now with it all, thats good.

    Thinking of you.
    2023: the year I get to buy a car
  • Watty1
    Watty1 Posts: 4,898 Forumite
    Name Dropper Combo Breaker First Post First Anniversary
    Thanks for the welcome back.
    Struggling but ploughing on. Have 10 items on bay of e as want to buy another freezer and am going to try to fund by releasing clutter. More on reasons for wanting another freezer to follow when have funds to follow through.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • atypicalblonde
    atypicalblonde Posts: 3,057 Forumite
    Hi Watty, I am so pleased doggy Watty is still with us and soldiering on. You take care of yourself poppet, good luck on the bay of E, it seems that the spenders amongst us are hitting it with a vengeance right now and things are selling well so fingers crossed for you.


    Best wishes, ATB xx :)
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • Watty1
    Watty1 Posts: 4,898 Forumite
    Name Dropper Combo Breaker First Post First Anniversary
    edited 5 November 2015 at 8:21PM
    Recording signature here as time to move forwards


    Mortgage at start of diary Sept 2013: £132,995 Now [STRIKE]£119,295 £118,329 £86,938 £86,649 £75,649 £75401 £73301 £73,045 £66,779 £63,779 £61827 £60,382 £60,303 £52971 £52694 £51492 £49,097 £48212 £45923 £43,535 £40,679 £35901 £26,701 £22,552.74[/STRIKE] Aug 2015 £0 :j


    I did a brilliant job clearing mortgage. And the company is now finally re-paid so I actually feel really MF. I need to work out some goals. I have rough ideas:
    • the company needs working capital (it now has its VAT and Corporation Tax saved so I can use that as working capital but I would prefer there to be some actual spare in the company). Am thinking around £6000 working capital if have tax and VAT put by each month.
    • The Watty Household needs an emergency fund. Not sure how high that should be am thinking £8,000
    • Retirement Fund needed over and above the pension I currently contribute too. Currently just £100 each month goes into a 6% savings scheme. Need a plan for this. I know my pension is not adequate and nor really is Mr Watty's although his is a Civil Service one and should be ok but it would seem we live beyond Civil Service means :) I'm not sure we can reduce our outgoings much more so we need a Retirement Plan
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    £132k in 2 years :eek::eek::eek::eek::eek::eek::eek::eek:

    Love it watty ill keep the sig strike off going for the strike team haha

    Hope you are well
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Name Dropper First Post First Anniversary
    Fantastic! I like the idea of putting the sig into a post before you bring it into the present. And with that level of focus, financial freedom will turn up sharpish :)
    2023: the year I get to buy a car
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