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Watty's Awakening
Comments
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Ooh and that payment's all the sweeter for knowing they really resent it 😁🥂4
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Excellent, that money will pay for your takeaways for a few weeks - no guilt feelings needed!Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!4 -
Great idea for the use of the money bargainhunter
It sounds like some of the posts on tezzas diary - you are sticking with the consistency even in these tough times so the rewards of your hard work will keep coming, sometimes small, sometimes bigger but you will cycle back out of these gloomier days and be feeling more like your proper old self again with all the steps you are taking and continue to take
Dxxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'4 -
@Bargainhunter30 great idea. Yes! Double win.
I've just found tezzas diary Daisy - thank you
One of the things that has really been stressing me is the business email. It stopped working properly with intermittent bounce backs so I rang the company I have IT support with to look into this to find it was not covered by the contract but they said they could do a fix, that was on 23 December, well what with Christmas and their claim it could take up to 72 hours to work this has rumbled on. Eventually I rang my old support company who I had ditched after the sales manager said my business was not important, and they really wanted companies with a minimum of 10 staff. But the company did have a really great chap so I rang him, he told me to raise a support request, he would watch out for it and grab it when it came in - which he did - and a fix was found within an hour although he did say it would take 48 hours - and - gradually things have improved until today when the last server recognised the fix and yay.
Lessons learned - I should have called him earlier and I should have listened to my instinct that the first company did not really know how to fix the problem rather than just hope it would work out because I was too down to tackle the issue.
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 !!9 -
I would gently suggest a reframe- you were low in energy and went with that option first, then once you had more energy you were able to conceive of a plan that was successful10
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I think @WelshmansDaughter is right - we tend to feel we should be able to power through but sometimes that's just not the thing to do. Allow time for your batteries to recharge, as well as all the things you are already doing towards your healing and moving forward.
Anyway, I'm very pleased to hear the email issue has been sorted. You shouldn't have to focus your energy on constant workarounds: email is a tool that should serve you, not vice versa.
Do you have sunshine today? It's beautiful here, with a tiny dusting of snow. Picturesque but freezing, yet the forecast for Monday is 10 degrees! Warmer is easier.
Now I'm off to look for Tezza's diary, which I'd not come across before.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 21/3/229 -
Hi @Watty1
Came across this morning and it made me think of you … 😉If you find an equestrian on their side this winter, please turn them the right way up and power them with tea.No, seriously. This is not a joke. This is a health and safety advisory.Winter equestrians are a fragile species. We can usually be found frozen in gateways, wedged against stable doors, or lying horizontally in a muddy field questioning our life choices. If discovered, do not panic. Simply follow the steps below.First, check for signs of life.Are they muttering about mud, frozen taps, or why they didn’t take up knitting? Good. They’re still with us.Next, carefully rotate them upright. Winter riders tend to tip over due to excess layers, stiff joints, and boots filled with mud that now weigh approximately the same as a small car. Use correct lifting technique. Bend your knees. Protect your back. This person has already ruined theirs.Once upright, immediately administer tea.Not lukewarm tea. Not herbal nonsense. Proper, builders’, strong-enough-to-stand-a-spoon-up tea. Bonus points if it’s delivered in a battered yard mug that smells faintly of hay and regret.Do not ask how they are.They will say “fine” while their eye twitches and their soul quietly leaves their body.Expect them to be wearing:• Seven layers, none of which are actually warm• Gloves that are somehow both soaking wet and frozen solid• An expression of pure regretThey may appear grumpy. This is normal. Winter equestrians have been up since dawn, defrosting buckets with kettles, chipping ice like they’re auditioning for a mining job, and explaining to non-horse people that no, the horse cannot “just stay inside today”.They are tired.They are cold.They smell faintly of horse and despair.Under no circumstances should you suggest:• “At least it’s not raining”• “You chose this life”• “Horses are just pets”If the equestrian starts laughing for no reason, crying into their tea, or talking about selling everything and moving to Spain, this is also normal. Continue tea application until coherence returns.Once revived, they will stand up, pull their hat down, sigh deeply, and go straight back out into the cold to do it all again. Because despite everything — the mud, the ice, the numb toes, and the emotional damage — they love it.And if you find them on their side again tomorrow?Turn right ways up.Apply tea.Repeat until spring. ☕🐴
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 = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 3 books of target 52 in 2026 as @ 10th January
Produce tracker: £18 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.11 -
Good grief, winter equestrians are mad 😆 🤣 😂 🐎 🐴 😆 🤣 😂 🎠 🏇 🐎 😆22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'5
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Love that.I 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.6
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