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Watty's Awakening
Comments
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To have set it all out like that means you know you have properly considered all viewpoints and can be confident that this is the correct decision for you right now 👏 🙌 👍 😆
Dxxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'5 -
I like how you've approached your decision and the idea of drawing your network. I think you are wise to value your existing network.
I now recognise the people in the chemist, post office, at my art group and my closest neighbours. I moved a year ago but still haven't made 'friends' locally although I have contacts. Thankfully I have work social and friendships there - and am close enough to where I lived before to see a couple of friends from 'before' I moved. It is difficult when you work full time and are introverted to break into new social groups. I'm hoping my art group will help over time - and meanwhile my counsellor helps fill some of that social gap. I may go to SW again soon locally - as I travel to the art group but SW would be local so if I met people there - that might work...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/254 -
I think a new vision board with all the hacking rights of way reinstated is a must then...(Or whatever the technical horsey term is) 😀❤️MORTGAGE 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. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Yes @debtfreewannabe321 I've come to realise I need a new Vision Board
There are a pile of old horse and hounds in the living room which I'm hoping will offer up some inspirational pictures
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 !!5 -
@Suffolk_lass thanks. DoS's mum is called DevilDog by her family so it followed🙂
@Watty1 this may not be helpful but we have poles on our field and they paid £1600 lump sum for them, to be renewed when/if the house changes hands.4 -
@Alchemilla that is really helpful. I didn't expect that. They never paid anything when we moved in other than the rent and that was a bit of a performance. I'm waiting to see what happens next.
In the meantime the lovely head engineer turned up (in a brand new tesla) and fitted her new padlock and she was an absolute joy to deal with although ruefully admitted some of her engineers were not always the brightest when it came to padlocksMade 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 !!7 -
Hopefully the new shortened chain & the new contact should solve that problem. One down a few hundred to go.5
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Spent yesterday in the office and cleared a lot of "stuff" that needed doing. The online course starts again next month, and the sales are not as great as the first one - but - the two courses combined have meant that I was able to transfer £10,000 to my pension pot. I am overjoyed with this. It is an incredible amount to boost into the pension (it has been transferred from the company so saves me corporation tax too).
When I started this diary I was MF but really needed to work on savings and retirement plans and the focus has been really helped by the diary and is paying off.
Happy dance. The sun is shining here so CC who is according to the vet still able to go for little potters around the lanes and I are going out this morning with our friends from down the road. Happy days.
Edited: please don't think I am being smug over in WattyLand, that on line course is as much work as doing another job on top of my current job but i am really aware my world is very expensive because of the horses. I'm determined to keep them and to rebuild after PPH. The little wins of £5 to me are as exciting as being able to transfer a solidly good lump into my pension pot.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 !!17 -
Nobody thinks you are being smug. Personally I am glad you are paying attention to those long-term goals as well as the house, garden and landSave £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
OS Grocery Challenge in 2025 I am at £2226.88/£3000 or 74.23% 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 here8 -
You don’t come across as smug at all! More hard working, pragmatic and savvy 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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.7
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