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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,992Posts
    • 21,303Thanks
    Watty1
    This Time I'm Really Going To Do It
    • #1
    • 2nd Sep 13, 12:25 PM
    This Time I'm Really Going To Do It 2nd Sep 13 at 12:25 PM
    I've loved this little bit of the forum and over the years have often stopped by for a bit of motivation. And from time to time have even made moves to become mortgage free, making an overpayment here, and thinking about it and even once setting a date (12/12/12) when there was a great thread here about that.

    And then poooffff ... I make a start and it all fades away.

    A year ago I decided that we would be mortgage free by January 2014 ... and paid off 10% of the mortgage..found that was the maximum we could pay off without penalty and then I sort of gave up. But not totally. I have been saving and over the last few weeks been looking forward to the start of september because .....drumroll....today I can make a repayment without penalty. And so I am currently on hold to the Mortgage company to do just that.

    And whilst holding I thought I would also start a diary here to keep me motivated... I mean January 2014 Thats only 4 months away...surely I cant do it by then????

    But rather than give up once again I'm going to see just how far I can get by that date and hopefully posting on a nice friendly board will keep the motivation up.

    Back later with more figures.
    Last edited by Watty1; 02-09-2013 at 2:09 PM.
Page 160
    • Karmacat
    • By Karmacat 6th Jun 18, 10:23 AM
    • 29,756 Posts
    • 171,585 Thanks
    Karmacat
    That sounds very, very rough, Watty, and I'm so sorry that your own mental health is suffering too now



    A couples counsellor could well be a really good idea - though please check what their training is, and what experience they've had since then. I'm aware of a few people with very high levels of qualifications in counselling individuals, who simply decide to add couples counselling as a string to their bow, without taking any extra training, and the dynamics are really different.


    Something else I need to say, and I hope it doesn't upset you too much. I was taught that the aim of couples counselling isn't necessarily to get people to get back together. The aim is to clarify what both people want, and if their wants are incompatible, to help things progress as they need to, with as much ease and honesty and kindness as possible. But doing a rough google just now of couples counsellors, thats not what people are advertising.



    So, two things I'd say:
    - have a think, several thinks, about what you want to happen, and what you yourself want from the counselling. How does it fit in with your life coach if you're still going to the coaching, or what you learned from the life coach, at any rate?
    - and a mundane one - what's the rate charged, who and how will you pay?


    Don't answer on here, this is all really private stuff. And if you want me to delete this post, I will. I'm on planned absence from mse from Friday, for a couple of weeks, but I'll do it as soon as I can.


    All the best.
    Retired August 2016
    • apple muncher
    • By apple muncher 15th Jun 18, 7:53 PM
    • 7,698 Posts
    • 58,075 Thanks
    apple muncher
    Sending you lots of hugs, Watty. Am thinking of you lots xx
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • stepuptothepl8
    • By stepuptothepl8 15th Jun 18, 8:19 PM
    • 882 Posts
    • 4,423 Thanks
    stepuptothepl8
    Hope you're doing ok x
    LBM 1st Feb 2015 £18182 to go
    my diary: time to step up to the plate. SPC#503
    • Watty1
    • By Watty1 17th Jun 18, 8:20 PM
    • 2,992 Posts
    • 21,303 Thanks
    Watty1
    Thanks. Bit wary of putting too much on here at the moment as is deeply personal. Did see therapist with Mr Watty. Not exactly impressed with whole thing but did think she might be good and also KC correct in that her basis was not to save relationship. Felt she was too quick to jump to her opinion. Mr Watty wants to go back. We have agreed how this will be paid and I was surprised that Mr Watty was in agreement. In the meantime I have also suggested we interview an alternative therapist who has same training but is closer and a lot cheaper.
    On the finances front I have taken very little out of the business other than essentials as I am simply not sharing anymore and have asked Mr Watty to come up with a plan for how we can split our finances fairly whatever happens so that I no longer feel in such a weak position .....
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • greent
    • By greent 21st Jun 18, 7:16 PM
    • 7,354 Posts
    • 74,533 Thanks
    greent
    Just to say thinking of you xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • Karmacat
    • By Karmacat 25th Jun 18, 3:16 PM
    • 29,756 Posts
    • 171,585 Thanks
    Karmacat
    Hi Watty, I'm back; sounds like you're learning to put your own needs front and centre, as well as Mr Watty's, thats got to be good. Including exploring how you feel working with various therapists.


    Thinking of you.
    Retired August 2016
    • stepuptothepl8
    • By stepuptothepl8 13th Jul 18, 8:32 PM
    • 882 Posts
    • 4,423 Thanks
    stepuptothepl8
    Hope you're ok Watty x
    LBM 1st Feb 2015 £18182 to go
    my diary: time to step up to the plate. SPC#503
    • apple muncher
    • By apple muncher 14th Jul 18, 8:16 AM
    • 7,698 Posts
    • 58,075 Thanks
    apple muncher
    Another one thinking of you x
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • daisy 1571
    • By daisy 1571 29th Jul 18, 4:31 PM
    • 295 Posts
    • 3,630 Thanks
    daisy 1571
    Hoping everything as well as it can be for you just now watty

    Daisy xx
    "Never save something for a special occasion. Every day in your life is a special occasion" Take hold of every moment by anon

    The difference between what you were yesterday and what you will be tomorrow is what you do today
    • Firegirl
    • By Firegirl 13th Aug 18, 9:41 PM
    • 736 Posts
    • 2,974 Thanks
    Firegirl
    Big hugs!!! It is very private but the great thing is you!!!8217;ll never meet us so
    it!!!8217;s a great place to vent. You!!!8217;ll get there in the end whatever happens!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022
    Current Mortgage Balance £183,681
    Target for May 2019 - Somewhere inbetween 2 figures below!!
    19 Year Target Balance MF55= £193, 132
    14 Year Target Balance MF50= £174, 766
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