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Watty's Awakening

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Watty1 said:


    I hope you're proper proud and excited about this:
    'I close this year with savings, real savings.  I started heavily in debt on my CC but I've paid off everything to do with PPH and the house and I've found enough money to do a lot of renovations'

    That, is bloody brilliant 👏 
    Thank you.  I am properly pleased with this.  A mixture of frugality and sheer hard work.    

    As important, on reflection, there were very very few unnecessary spends too which I am proud of too.
    Huge congrats. 

    Watty1 said:
    You've come an amazingly long way @Watty1. Be proud of yourself!

    It's a good idea to have some meals you can just dip into without having to feel in the mood to eat or cook. I hope the VNM's mother is comfortable.
    She is as comfortable as she can be and seems very unaware of her surroundings now.  She watches TV or sleeps.  The meals were prompted by @k@KajiKita comment about holding space.  Today I will do a beef in black bean sauce adaption in the slow cooker.  Again, using stuff in the cupboard and using up and tomorrow a lamb curry in the slow cooker.  Each meal will feed us both with left overs to freeze for when the inevitable comes.
    Well done on the practical support. It all helps. 

    Happy 2025. Hopefully you have given yourself a platform for growth both business wise with your new training offering and personally with your home improvements, relationship with VNM and more importantly listening to and accepting yourself and meeting your own needs.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Loving the jigsaw reinvention:) 

    that slow cook lamb sounds lovely - will see what warming stew I can cook up
    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
  • Well done you. Have a cosy evening x
  • Cherryfudge
    Cherryfudge Posts: 13,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You have, and have had, so much to cope with. Perhaps tears are the right thing to release a bit of tension?

    Well done for sticking with the desk work and getting it done, complete with plans for the future.

    I hope the new year brings more good things and I expect it will, overshadowed though it is at present. This too will pass.
    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)

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