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Watty's Awakening
Comments
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I too like this - but often struggle to apply it - but celebrate the successes when I do.ajmoney said:
Please re-read this bit. It is great to read that know what you need and recognise things like this.
Glad you took time for you.
Great win on the champagne find. Love the tractor light up. Happy New Year!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 14/11/254 -
"I have no need to put myself in the line of fire" - I definitely need this in my life, thanks Watty.
"Think of many things, do one"
Mortgage 31Dec'25 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga4 -
So glad you did what was best for youI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
I chopped them into half or 3 subject to size and they really are the best part of the cake!Cherryfudge said:What a good idea to make a cocktail out of the leftover glaze! And did you chop the Brazil nuts or leave them whole? I like them a lot but I'd not thought of adding them to cake.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 !!4 -
Thanks for spotting that all of you. I don't always remember but I am trying to surround myself with joy and happy people. Was invited to a local village pub with friends but after a very frank conversation with the VNM about priorities his mother visit was slotted in earlier, she was very tired after her family Christmas day and then WattyDog Charming Cob the VNM and I all went to the local village pub where we sat outside and had fizz and cider and chatted to people we didn't know and waved to passing traffic. A very nice time was had by all, especially Charming Cob who was allowed to spend the visit grazing the grass outside the pub. I noticed there were some tie up rings so in better weather I'm going to ask the pub if I can pop along with a haynet for Charming Cob and then we can all go and have a roast, sitting outside with CC having a haynet and WattyDog having left over roast as a treat.
Nice to have a plan for better weather.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 !!13 -
I love the idea that Charming Cob and WattyDog were also chatting to people, waving to passing traffic and enjoying fizz and cider
Sounds like an enjoyable time xMFW 2025 No. 7 £2731.07/£2700
MFiT-T7 No. 6 £5515.91/£30,0008 -
What a lovely pub visit!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/224 -
To be honest Charming Cob was just eating, but, we made people smile as they drove past as they slowed down, I waved and raised my glass in thanks and WattyDog greeted all entering the pub. He also sat very nicely on his lead next to Charming Cob when the VNM went in to buy drinks. I suggested he take WattyDog in but the VNM has ideas on behaviour not shared by WattyDog. One of them thinks begging complete strangers for crisps and helping oneself if they do not pay attention is acceptable behaviour and the other does not. I'll leave you to work out which is which LOLajmoney said:I love the idea that Charming Cob and WattyDog were also chatting to people, waving to passing traffic and enjoying fizz and ciderSounds like an enjoyable time xMade 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 !!13 -
Reminds me of the new to the family Labrador that came to FiL’s last significant family event - she wolfed down his pork pie portion straight from his fingers! 😳😂Watty1 said:
WattyDog greeted all entering the pub. He also sat very nicely on his lead next to Charming Cob when the VNM went in to buy drinks. I suggested he take WattyDog in but the VNM has ideas on behaviour not shared by WattyDog. One of them thinks begging complete strangers for crisps and helping oneself if they do not pay attention is acceptable behaviour and the other does not. I'll leave you to work out which is which LOLajmoney said:I love the idea that Charming Cob and WattyDog were also chatting to people, waving to passing traffic and enjoying fizz and ciderSounds like an enjoyable time x
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 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.6
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