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Watty's Awakening
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I’m looking for calm mornings also. I made baked oats but I do think they need more protein so might make with pumpkin seeds and flax next time5
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WelshmansDaughter said:I’m looking for calm mornings also. I made baked oats but I do think they need more protein so might make with pumpkin seeds and flax next timeSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
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 thread
My new diary is here6 -
@Watty1, the day sounds like such a success. And things seem to be going in the right direction for the horses too.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 21/3/223 -
Thank you all for your lovely words. I really appreciate them. Another win: I drove my horsebox and reversed it onto the yard. Now this might sound small but the ex really trashed my confidence driving and i had started to refuse to drive it which is just plain silly. The VNM has been great at helping out and driving me and the horses but I finally fessed up the whole of the problem and he kindly picked up the keys and said lets take it up the hill turn onto the main road and go to the first roundabout and come home - now - come along. After a few tears I did it.
Off we went. We did exactly the route he said and with his help I reversed it onto the drive at the back of the house and then parked it correctly. Go me! I am beyond proud of myself. He helped out by talking through gear changes, helping me find reverse which is very stiff and then explaining where to line the lorry up using the house opposites drive (I know she wont mind that I am using her drive to get the turn right, apparently he has been doing that all along while I've been opening the gate)
i will plan to drive it once a week now, just to keep going so it becomes normal for me. This was one of my "this years goals" and is on my vision board. I have made that happen - and inspired by what I have learnt on other journeys - I am going to say that I drive my horsebox very well indeed.
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 !!19 -
In other news i seriously underestimated the time the course would take. I spent all day Sunday writing tomorrows module (even with the outline I had already done) and I have had a lot of problems with people who are not very tech savvy asking questions - which being not at all tech savvy I am stuck with but the Virtual PA i have has been awesome and yesterday made some videos that she suggests I watch and if I find them clear then we will send those out and post on the platform.
I am so pleased I found her. I would not have got the whole thing live without her.
The counsellor/hypnotherapist I was seeing used to often say to me that when Steve Jobs wanted a battery the size of a credit card for his phone idea he did not design it himself but told his engineers what he wanted. I think of that when dealing with the PA. It is not my job to know and do everything. This has also been a large learning curve for me. (as was realising for the umpteenth time that 2 chocolate biscuits make me feel sick LOL, one is fine two is a no no)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 -
It may be that your natural aptitude lies in strategy and planning rather than execution?
I too use the Horsebox Approach when trying to do something anxiety has built up around5 -
Massive congratulations on the horse box driving 😊🤩🎉🥳 I understand how big something like this is 😊 And thank you to VNM from here for being kind and constructive about it too ❤️ Driving it once a week, just keeping everything moving, charge the battery a bit etc won’t do the vehicle any harm either.
That virtual PA sounds like she is a real find! 😊 It sounds like she ‘gets you’, what you are trying to do and how you are trying to deliver it 😊 A proper collaboration 👏
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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.5 -
That's so wonderful about driving the horsebox! I'm just delighted for you.
And I am very familiar with that thing where a piece of prep takes sooo much longer than you ever thought.But you did it.
And also you seem to be attracting some wonderful people: the VNM, the Virtual PA and the person who has taken on the Fell.
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 21/3/226 -
Echoing sentiments above
the virtual PA sounds fab...I need one of those. I am so not tech savvy and have plans swirling which all require me to understand how to do things online so they stay swirling as I seem to have some sort of block to learning them
YAY on the horse box! Your confidence will grow and grow for every thing you do that you were told you couldn't do 🥳...I tried an NLP technique once for a similar voice in my head telling me I couldn't do something, it was to visualise that person/ that voice telling you you couldn't do it then imagine some silly music attached to the image (I imagined the Benny Hill theme tune) and imagine that person who mocked you dressed in a stupid or silly way ( I visualised them like a clown) and watch them trying to say it to you whilst having that silly music and being dressed in that way - It was supposed to change your emotions connected to that phrase or words. It actually worked really well. I hope I explained it right....But eventually I would hear those words (you're a rubbish driver, you can't cook, you are a bad mum...whatever it was) and laugh them off as nonsense. Another way of doing this is to picture something you have a strong emotional connection to (i/e a person or a flashback of some trauma) and watch the picture turn to sepia, and then to black and white, watching it fade...and then watching as it moves further away from you and eventually disappearing ). Both these techniques were a life saver for me and my mental state at the time and the visualising process gets easier the more you practice
Hope you have a good dayMORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
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Fantastic news on the horse box. Be proud. 😊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.5
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