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Watty's Awakening
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Happy New Year and Happy New Diary @Watty1 - don't forget to check your old diary sometimes - @Slinky made what sounds like a good suggestion to me. Funny that you are comfortable on this board and I was always (still am) on the debt-free wannabees, for the only good reason that I didn't know about this one when I started. I find both of them friendlier and more supportive than the Savings and investment boards
Looking forward to your wealth rebuilding phase and I have subscribed.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 here7 -
Definitely time for a new diary Watty - you've come so far and been through so much. A fresh start is an excellent idea. Will be following along!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway7 -
What a lovely bonus find! Happy days enjoy spending it. Also Happy New Year.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 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#latest6 -
Yes! To the bonus
do you have a debt reduction plan or is it through everything at the debt ?
I am here on mfw despite still not having a mortgage so .. it’s feel like a natural home ..
the wind in central london is ridiculous so I can’t imagine how it is outsideDON'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#latest7 -
Brilliant bonus find! (I logged into my PayPal for the first time in months last night and found £64.47 - and I was chuffed enough with that! 🤣🤣)I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £205
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It is everything at the debt at the moment @LadyWithAPlan then rebuild the savings. My mantra at the moment is refuse/reduce - reuse - recycle. There is a pair of jeans waiting for repair in the living room which is this evenings job (assuming I can find my glasses).
@Slinky's comment was really thought provoking. I've to decide what to do. I'm torn. The ex should have paid his own tax on that rent not let me carry it so yes I could ask for an adjustment to be made but on the other hand I really just want the whole sorry mess forgotten. I'm really undecided what to do which was why I hadn't responded on my old diary. I just cannot decide which way to go with that.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 !!8 -
Any found money is good. I was excited with 30 p found in the washing machine yesterdaygreent said:Brilliant bonus find! (I logged into my PayPal for the first time in months last night and found £64.47 - and I was chuffed enough with that! 🤣🤣)
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 -
Good luck with zapping the debt in 2024 and upping your savings.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)6 -
Maybe just draw a line? Financially it might help a little, emotionally it might be months of it being in the background. Only you know where the line isWatty1 said:It is everything at the debt at the moment @LadyWithAPlan then rebuild the savings. My mantra at the moment is refuse/reduce - reuse - recycle. There is a pair of jeans waiting for repair in the living room which is this evenings job (assuming I can find my glasses).
@Slinky's comment was really thought provoking. I've to decide what to do. I'm torn. The ex should have paid his own tax on that rent not let me carry it so yes I could ask for an adjustment to be made but on the other hand I really just want the whole sorry mess forgotten. I'm really undecided what to do which was why I hadn't responded on my old diary. I just cannot decide which way to go with that.
Daisy xx22: 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 -
I would happily keep the money and move forward. You know he screwed you over financially and then if there was tax on income he stiffed you on well.. I am v honest but this is obviously meant to be found later.
I would however ask the accountant re Slinky's comment as if it was agreed half the income was his then. why should you pay 100% tax .. more towards your debt /cc ... and if it comes back to bite him latterly if HMRC go after him then I am not upset
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
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