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Watty's Awakening

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Comments

  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on your boundaries conversation and the decluttering. 

    The horse 🐎 talk is always interesting even if I don't understand it all.

    So proud of you for all you have achieved in recent years. 
    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 29/7/25
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Watty1 said:
    I do not own a body protector. I may put this on the shopping list!   Most Handsome took three flying leaps over three tiny fences, which I did not enjoy (that is putting it mildly) and then decided to walk over everything because his rider clearly did not appreciate his skill level or his sense of humour.

    Charming Cob watched and then came for a cuddle. I would easily have tackled bigger with Charming Cob and done well.

    As it is I feel in need of a stiff drink and  nerves of steel to whizz Most Handsome around some fences (I will ask the Fell Pony's person - she is not a teenager but she is sensible and confident). Maybe if Most Handsome can be persuaded that the effort to do a jump no higher than 1 foot 6" is not equal to the effort to clear 4 foot 6" I will regain some confidence with him.  The person who came out said just keep doing it until he is bored, umm, Most Handsome makes his own fun if bored. Part of the time he refused to trot in favour of acting like a giraffe on a pogo stick.    I will however not give up, I have left everything up and will have another go on my own later in the week.  (hashtag having fun with horses goal)
    Ponyplops used to do this over jumps. With her it was lack of confidence I think.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Watty1 said:

    The one thing this really brings home to me though, is I actually paid all this. Yes, I did get a contribution for food and bills from the VNM but the rest is purely down to me and I paid it.   There was a time when PPH told me I could not manage without him financially.   I am so pleased, my business is at a point where it genuinely can support me and support me well. 






    This is so fabulous to read.  Well done you.
    Woohoo ! Go you.
    Watty1 said:
    @PennysIntoPounds   So nice of you to say that.    The friend who came to court with me for the injunction against PPH also faffed and faffed and finally simply said I don't want to come to court with you again.  I rarely see her but that and your comment was very touching.

    Simply put I trusted PPH and, not being married, that was my undoing.  However nice the VNM is, I do not intend to make that mistake again.

    Glad you had a great conversation with VNM and its natural to be v wary after PPH

    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
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