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Watty's Awakening

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Comments

  • Watty1
    Watty1 Posts: 7,644 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    KajiKita said:
    Repetition and bulk of one plant is a classic garden design trick and cotoneaster is very architectural. Having a clematis scrambling over them in time as they start linking together could look very pretty. 

    What’s in or the current surface of the corner that everyone drives over atm?

    KK
    Love the clematis idea, thank you. Will add that to the plant list.

    The part that gets driven over is currently some old agricultural membrane that has mostly lifted in parts, two old fence posts (were holding it down) some dirt some weeds, some lambs ears plants which have amazingly survived the abuse although they are struggling and a dead hebe.  There was originally some bark chippings I think that covered the membrane but they have rotted away.      Anything will look better than that muddle!


    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 !!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Happy birthday for this week! 

    I tiled my own bathroom floor it’s not difficult - i
    but sounds like yours is fine 
    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
  • Suffolk_lass
    Suffolk_lass Posts: 10,723 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Re that corner, my two suggestions are to ask around for some road planings (ie the stuff they take up when resurfacing roads) - it works well as a kind of hard core for driveways, and farmers often know where to get it.  Or if not, check out ground reinforcing gavel grids (over week suppressing membrane) topped with gravel or limestone chips, or similar - lots on Marketplace, often secondhand for a fraction of the new cost
    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got out on your horse. Sounds like it did you the world of good.

    Good luck with the micro decisions. I find them hard too. Hope the garden turns out how you want it. Sounds like you are forming a plan.
    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
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,485 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 4 April 2024 at 1:39PM
    What a lovely birthday! Many happy returns.

    Sounds like a good idea to put up with a short period of chaos to get it all done, great you have the space to be able to camp in the spare room and not drag the process out. Wow Factor Stairs sound very exciting!
  • themadvix
    themadvix Posts: 9,310 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Happy Birthday for yesterday Watty, it sounds like you had a lovely day.
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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