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  • FIRST POST
    • Watty1
    • By Watty1 2nd Sep 13, 12:25 PM
    • 2,990Posts
    • 21,290Thanks
    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 151
    • smallholdingsister
    • By smallholdingsister 5th Jan 18, 2:37 AM
    • 3,591 Posts
    • 30,128 Thanks
    smallholdingsister
    Fingers crossed it comes good. X
    • Watty1
    • By Watty1 5th Jan 18, 10:27 AM
    • 2,990 Posts
    • 21,290 Thanks
    Watty1
    Fingers crossed it comes good. X
    Originally posted by smallholdingsister
    Thanks. And what were you doing up so late? or up so early depending on which way one views it. Hope ok x
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • themadvix
    • By themadvix 5th Jan 18, 10:31 AM
    • 1,668 Posts
    • 9,735 Thanks
    themadvix
    Glad the printer came up trumps. And will be willing it all to work out for you! x
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • Watty1
    • By Watty1 5th Jan 18, 10:51 AM
    • 2,990 Posts
    • 21,290 Thanks
    Watty1
    2018 not starting too well at all. Last night our barn was broken into. The wires were pulled out of the security camera, the security lights broken, the barn door lock banged off, and then discovering they still couldn't get into barn (it is steel bolted from inside) the window was broken. Climbing in through window triggered the alarm which texts our phones so I was able to call police. By the time the police turned up they were long gone - had driven through a neighbours fence to our fence line but thankfully did not then drive through our fence so the post and rail remains in tact. Up until early hours boarding up window. Luckily Mr Watty at home today as has today off and he is now repairing the rest of the damage. And even more luckily the camera still works now he has repaired the wiring. The light can be repaired and we have decided to leave the window boarded up so it can't be broken again.
    So a good outcome to a bad situation as we have no loss, no one was hurt, and we have the material on site to effect repairs.


    What a year this is turning out to be already!!
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • Karmacat
    • By Karmacat 5th Jan 18, 11:02 AM
    • 29,221 Posts
    • 167,006 Thanks
    Karmacat
    Oh my god, Watty, what a few days you've had! So sorry to hear about both events, you've really had a bad start to the year, haven't you

    It sounds like the break-in is being fixed fairly easily - though I can't imagine it's as easy to feel safe again. But I hope the error you've discovered can be fixed quickly like that, rather than dragging on through the whole year.

    Thinking of you xx
    Retired August 2016
    • Goldiegirl
    • By Goldiegirl 5th Jan 18, 4:05 PM
    • 8,330 Posts
    • 48,853 Thanks
    Goldiegirl
    What a start to the year.

    What absolute b******s to attempt to break into your barn. Thankfully you protected yourself against this, and no harm done in the end . But enough to make you feel discombobulated.

    It surely must get better.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Watty1
    • By Watty1 6th Jan 18, 9:48 AM
    • 2,990 Posts
    • 21,290 Thanks
    Watty1
    Thanks KC and Goldie. The local diy place at the top of the hill says he has someone come in every week for "bits" to patch up break-ins. Astoundingly it seems the norm. It only has cost us the price of a new catch for the barn double doors.


    I am philosophically telling myself that no-one ever has a smooth year and maybe I'm just getting all the worrisome stuff in the first week of the year and the rest of the year will be easy ??? If I repeat that often enough I will remain cheerful


    Work may not be so bad after all, I have plans in place now to control the situation and yes, I will inevitably take a financial blow but not as much as I first thought because I think I can contain it. A spreadsheet has been created and is referred to every hour at the moment and updated as things change.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • A Frayed Knot
    • By A Frayed Knot 6th Jan 18, 10:32 AM
    • 2,372 Posts
    • 10,580 Thanks
    A Frayed Knot
    Have been away for a while and finally catching up. Sorry to read all the troubles, but as they say, things can only get better. Genuine errors, you would hope everyone would understand and be reasonable, so let's hope this is the case.

    Look on the good side - you found it and are dealing with it, not just brushing it under the carpet, so Good for You - facing it head on.


    Wish you well.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    Target 19 months 5/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69, 2016/£3186.80, 2017 £4068.97

    • smallholdingsister
    • By smallholdingsister 6th Jan 18, 1:30 PM
    • 3,591 Posts
    • 30,128 Thanks
    smallholdingsister
    What barstewards! Hope they get caught.
    • themadvix
    • By themadvix 6th Jan 18, 3:19 PM
    • 1,668 Posts
    • 9,735 Thanks
    themadvix
    Rubbish news Watty, but it sounds like you have it all under control. Are the police pursuing it?
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • michelle09
    • By michelle09 6th Jan 18, 4:26 PM
    • 776 Posts
    • 4,281 Thanks
    michelle09
    Eek, well at least you're all ok. And maybe this is all your bad luck for the year in one go.
    • Watty1
    • By Watty1 6th Jan 18, 4:56 PM
    • 2,990 Posts
    • 21,290 Thanks
    Watty1
    Rubbish news Watty, but it sounds like you have it all under control. Are the police pursuing it?
    Originally posted by themadvix

    No. Handed over a crime number and have done their bit. Apparently it!!!8217;s a regular occurrence in these parts!
    . Genuine errors, you would hope everyone would understand and be reasonable, so let's hope this is the case.

    Look on the good side - you found it and are dealing with it, not just brushing it under the carpet, so Good for You - facing it head on. .
    Originally posted by A Frayed Knot

    Its something I should never have done. Yes it was a genuine mistake but I actually had a letter about the issue a couple of months back and I thought it was just a circular and put it in the bin L
    However I!!!8217;ve done what I can to minimise it. I!!!8217;ll be frantically checking my spreadsheets daily until about April, but, I!!!8217;m hoping the action I have taken will minimise the financial harm. I can!!!8217;t do any more and will just have to take the fines that crop up like a big girl !!!8230;..
    this is all your bad luck for the year in one go.
    Originally posted by michelle09

    That is what I am happening. Hopefully that is it, over and done. The pessimist in me hopes this is not the way the year is shaping up, but, I!!!8217;m usually optimistic even in the face of impending doom so I!!!8217;m cheerfully saying I!!!8217;ve done well to get the crap out of the way before the year is even a week old.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • Watty1
    • By Watty1 6th Jan 18, 5:05 PM
    • 2,990 Posts
    • 21,290 Thanks
    Watty1
    And in good news the knotted hanky fund gained £390 today. Mr Watty had a ring and necklace from his dad's stuff that a few weeks ago he gave me and said he didn't want to see again. Today I sold them and made £392 .. spent £2 parking so £390 up. I have told Mr Watty but he just said I should say thank you darling as he gave it to me and the money is mine!
    He did mention I should spend it on the rug drier I was eying up for the horse rugs. Now that would be a luxury spend but as I have no idea where and how this nightmare muddle at home will play out I'm not sure about frittering the money on that.
    (I know horse rugs do dry on horse but I don't like my elderly pony using his energy for that so I bring his wet rugs into the living room and dry them in front of the woodburner!)
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • atypicalblonde
    • By atypicalblonde 6th Jan 18, 5:24 PM
    • 2,861 Posts
    • 20,061 Thanks
    atypicalblonde
    You have my sympathies sweetie, we’ve had a rubbish start to the year too. Onwards and upwards hey xx
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
    • gallygirl
    • By gallygirl 6th Jan 18, 5:35 PM
    • 16,590 Posts
    • 109,555 Thanks
    gallygirl
    Aw rats to the bad start to the year but glad you've contained the damage business-wise and that spitter hanky fund is doing well.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • smallholdingsister
    • By smallholdingsister 6th Jan 18, 5:53 PM
    • 3,591 Posts
    • 30,128 Thanks
    smallholdingsister
    Cheaper to buy spare rugs?
    • AlexLK
    • By AlexLK 6th Jan 18, 8:01 PM
    • 6,066 Posts
    • 32,099 Thanks
    AlexLK
    Sorry to hear about the work problems and break in. A pity the police are not pursuing, especially as it seems a common occurrence in the area - possibly the same gang.
    2018 totals:
    Savings £7,600
    Mortgage Overpayments £1,750
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 6th Jan 18, 9:36 PM
    • 7,639 Posts
    • 86,902 Thanks
    Tilly MFW in 6 YRS
    Sorry to read your news Watty. Great to see how quickly you've processed it and moved on.

    Take care Tilly xxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Karmacat
    • By Karmacat 7th Jan 18, 11:24 AM
    • 29,221 Posts
    • 167,006 Thanks
    Karmacat
    And in good news the knotted hanky fund gained £390 today. Mr Watty had a ring and necklace from his dad's stuff that a few weeks ago he gave me and said he didn't want to see again. Today I sold them and made £392 .. spent £2 parking so £390 up. I have told Mr Watty but he just said I should say thank you darling as he gave it to me and the money is mine!
    He did mention I should spend it on the rug drier I was eying up for the horse rugs. Now that would be a luxury spend but as I have no idea where and how this nightmare muddle at home will play out I'm not sure about frittering the money on that.
    (I know horse rugs do dry on horse but I don't like my elderly pony using his energy for that so I bring his wet rugs into the living room and dry them in front of the woodburner!)
    Originally posted by Watty1
    Excellent news! Even though it's a little thing - still good. And very sweet not to let the pony use his energy on the horse rug
    Retired August 2016
    • themadvix
    • By themadvix 8th Jan 18, 9:22 AM
    • 1,668 Posts
    • 9,735 Thanks
    themadvix
    That's outrageous about the police, but these are the times we live in, it seems.

    Great news about the increase to the KHF!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
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