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Watty's Awakening
Comments
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So love CC and his attitude. Fabulous cob
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I would strike while the iron is hot if you can on the course.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 -
Agree re course, if no trouble caused - take them on now. Possibly if they delay they'll lose interest plus if grapevine has got them there that's more people to be telling others therefore future courses will fill up too.
If trouble caused, explain nicely and tell them they can book next available course for a deposit of...
Dxx22: 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'6 -
brilliant!Watty1 said:Think the plan might be working. This morning was the first morning I followed it to the letter and here we are 5 mins past 8 and I have dusted off my planner/diary and filled in for the remainder of this week and to the end of March so I know what is coming up and I feel a lot less anxious than I have for a long time. being clear about what is coming up for me helped lower anxiety levels.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#latest5 -
If there are enough, would it be feasible to run a second instance a week/two later than the first, so the two courses run concurrently?Save £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 here5 -
Thank you for all the comments. I really appreciate them. I love this forum for the 'thinking it out' and sensible comments that come back in a way real world never does.
Have decided every course sale now can mean a payment into my steadily falling pension fund. The fund will pick up again long term I am sure, but, putting money away for my future as soon as I can makes the most sense so have emailed PA to ask her how to re-open sales for this immediate intake and people can catch up with the videos or not as they choose.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 !!7 -
Seeing your comment about videos, are these password protected or time limited in some way to stop people just passing the login to their friends so they don't have to pay for the course?Make £2025 in 2025
Prolific £229.82, Octopoints £4.27, Topcashback £290.85, Tesco Clubcard challenges £60, Misc Sales £321, Airtime £10.
Total £915.94/£2025 45.2%
Make £2024 in 2024
Prolific £907.37, Chase Intt £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%6 -
Much better to put into your pension fund when it is down than to wait until it is really high & about to go down. This is why they recommend having savings to use rather than drawing from your pension at certain times.5
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Interesting. I am a little too trusting I think (geesh you would think after PPH I would not be so) but I will talk with my PA about that.Slinky said:Seeing your comment about videos, are these password protected or time limited in some way to stop people just passing the login to their friends so they don't have to pay for the course?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 !!9 -
I made the decision and can send a little more to pension. Funds are down so it does make sense and these few might go off the idea later in the yearbadmemory said:Much better to put into your pension fund when it is down than to wait until it is really high & about to go down. This is why they recommend having savings to use rather than drawing from your pension at certain times. 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 !!6
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