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This Time I'm Really Going To Do It

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  • Goldiegirl
    Goldiegirl Posts: 8,836
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    Watty1 wrote: »
    Financial overhaul taking place in the Watty household. Using the Budget Brain on this site. Cannot believe anyone can do it in an hour. Has taken me most of the day in between work. Am not sure I shall be sharing my findings. Its almost embarrassing the amount of money we are getting through. The ERE forum would ban me am sure :o

    I'm quite sure I wouldn't be able to overhaul my finances in an hour.

    At least you've realised how much you're spending..... Now to plug the holes!
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • gallygirl
    gallygirl Posts: 17,240
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    ceo211 wrote: »
    Hey Watty

    Don't feel disheartened, any progress, even pennies, saves you more money overall. So as we always say, any progress is good.
    Seconded :T
    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"
  • Karmacat
    Karmacat Posts: 39,460
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    Watty1 wrote: »
    Financial overhaul taking place in the Watty household. Using the Budget Brain on this site. Cannot believe anyone can do it in an hour. Has taken me most of the day in between work. Am not sure I shall be sharing my findings. Its almost embarrassing the amount of money we are getting through. The ERE forum would ban me am sure :o
    You don't have to share it, watty, you just need to take notice of it :kisses3: every time you cut an unnecessary expense, you give yourself more options.
    Goldiegirl wrote: »
    I'm quite sure I wouldn't be able to overhaul my finances in an hour.

    At least you've realised how much you're spending..... Now to plug the holes!
    Exactly :T
    gallygirl wrote: »
    Seconded :T
    Thirded :T
    2023: the year I get to buy a car
  • Alchemilla
    Alchemilla Posts: 6,284
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    Just been through the process.
    Similarly embarassed.
  • Watty1
    Watty1 Posts: 8,797
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    Thanks all. Am wondering if there are any incentives to move to Greece? Suspect the Watty household spending could right an EU financially distraught country very quickly.
    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 !!
  • edinburgher
    edinburgher Posts: 14,780
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    Am wondering if there are any incentives to move to Greece?

    I can think of quite a few disincentives. That said, I think you could live there for half of the year with no tax to pay if your money was wrapped up in tax free wrappers in the UK.

    I was considering it during a bad day at work, but some of the prices are insane (2 bedroom villas with nary a sniff of a sea view (or a pool) for £250k+ on islands with no airport etc.)

    I would be afraid of moving anywhere where the central bank is accepting donations to pay off the national debt....
  • Watty1
    Watty1 Posts: 8,797
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    Hmmm. Maybe Greece wouldn't work then. Not sure how two ponies would make it given one is decidedly iffy about travelling too far :)
    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, what is your planned mortgage free date? 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
  • edinburgher
    edinburgher Posts: 14,780
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    Couldn't ponies swim? Tie a couple of empty barrels to them and get a set of oars for a horse raft. Good idea - neigh?
  • Karmacat
    Karmacat Posts: 39,460
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    edinburgher wrote: »
    Couldn't ponies swim? Tie a couple of empty barrels to them and get a set of oars for a horse raft. Good idea - neigh?
    You've been watching too many episodes of Top Gear :p
    2023: the year I get to buy a car
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