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Watty's Awakening
Comments
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ajmoney said:
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 £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
"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 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); 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 -
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 ciderSounds like an enjoyable time xMFW 2025 No. 7 £1130/£1200
MFiT-T7 No. 6 £2873.51/£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 -
ajmoney 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 -
Watty1 said:ajmoney 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 15.07.25:
- 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: £276 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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