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Watty's Awakening
Comments
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Happy Birthday sounds like you’re in a really good place. So well deserved long may it continue.Moved to Denmark for FIRE by Aug 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest2 -
Happy birthday 🥳 So glad you’ve had a lovely day and I hope you have a wonderful year ahead 😊
KKAs at 15.02.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £220,873
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 19 books of target 52 in 2026 as @ 2nd March.
Produce tracker: £44 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Happy Birthday. It sounds like a wonderful day!
My grandfather was a GP, and an author. His prescription for health was "An apple a day, eaton on the back of a horse, while watching the sun rise." And it was something he tried to do as often as he could.
I'm quite fond of sunrises myself, and as the cats and dog like early mornings, I've seen more recently than I have for a while.5 -
Happy birthday! A ride in a forest on a wonderful horse on a sunny day in spring, with coffee and a VNM... what could be better?
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 21/3/223 -
Happiest of birthdays to you WAtty xxI 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.
One debt remaining. Home improvement loan. 20 months left.3 -
Happy birthday dearest @Watty1! You deserve every joy love Humdinger xx2
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Happy birthday Watty. A glass of fizz and an unexpected nice natter is a marvellous gift to yourself.
You are a much better person than me, I would be fuming, but I suppose it's also a birthday gift from the universe to have better direction as to which people one should allocate their energy and dedication towards, with no hard feelings!
You've done so much and come so far in a year. Here's to you 🥂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael2 -
Happy birthday xxSealed pot challenge 822
Jan - £176.66 :j2 -
Agreed!Cherryfudge said:Happy birthday! A ride in a forest on a wonderful horse on a sunny day in spring, with coffee and a VNM... what could be better? Happy belated birthday - and I am quite sure it’s the nicest one you have had in years!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#latest2 -
Thank you all for the birthday wishes. So kind.
VNM finished the day by taking me to one of my favourite pubs for dinner, 2 glasses of wine, burger and chips and salad in a pub next to the church my parents married. I feel so blessed especially as my birthday dinner is really on Saturday evening - dinner and gift rolled into one as is something special.
This is indeed the nicest birthday in years. Yesterday I reflected on birthdays with PPH, they were often sad affairs with me in tears by the end although I always tried to put a positive spin on it.. Seems a different lifetime ago. No need for a positive spin now,
Breakfast this morning with a friend then I really must return to work.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 !!10
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