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Comments

  • KajiKita
    KajiKita Posts: 9,033 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @Watty1, I have never tried to train any animal before so this will be a while new thing for me - thank you for encouraging me. Perhaps we can train in parallel 😊😉

    I am hoping for you that Watty-Dig’s training ‘muscle-memory’ will make the training happen quickly for you and I suspect that once he clocks on that he is making his hooman even happier, he will be quite motivated 😊❤️

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Hi

    Re picking up naughty cats may I just add wearing a pair of heavy duty gardening gloves or similar as a precautionary measure too.

    SF x
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • f0xh0les said:
    The washing machine left you a tip for being fabulous. Take it.
    Love this. 

    Glad you are processing in your own way. I did a vision board that led to my job before this one and then onto this one with the same organisation. I got very quick results. I've also done similar for houses in the past and its worked. I obviously need to do one around art and writing.,,
    Brilliant on the WM tip 
    we all are cheering you on your vision board wins now 


    sorry to see your scratches - I found gloves freaked mine out more - plus one cat was easier to catch /pop in basket than the other . So I would always do the hardest one first when she was least expecting it - if she saw the chilled one in the basket she would hide .. 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Humdinger1
    Humdinger1 Posts: 2,610 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Now a dog person but previously had a wonderful cat. 'My stepfather gave me novelty slippers once with gigantic,  spookily lifelike cat heads at the front.  I only wore them the once as they put her into a state of frenzied terror.  Hope your scratches are soon better @KajiKita love Humdinger xx 
  • Brie
    Brie Posts: 15,951 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Now a dog person but previously had a wonderful cat. 'My stepfather gave me novelty slippers once with gigantic,  spookily lifelike cat heads at the front.  I only wore them the once as they put her into a state of frenzied terror.  Hope your scratches are soon better @KajiKita love Humdinger xx 
    I had to hide a nice shopping bag I'd bought because it had a picture of a lovely tabby on it.  My huntress kitten would do the whole sideways dance and swatting at it.  Obviously it was a threat.  Then again so was the kitten in the mirror that kept tormenting her.  Think someone left the brain cells out of that one completely.
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇🏅🏅🏅

    STRUGGLING DURING THE HOLIDAYS?? 
    click here for ideas on how to cope....Some websites and helplines if you're struggling this Christmas — MoneySavingExpert Forum
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you had a good time overall. Been there with cat scratches. I kind of stand my cat box on end and drop it in backwards.  I only found out last year it completely splits in two but the cat is such an escape artist it's the best way. 

    Glad the skimmer is done.

    Hope the weather perks up for you soon.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.1K updated 14/11/25
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