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Watty's Awakening
Comments
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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 2024 - #2 target is £5000 £3260.33 so far, just over 65%
[url="https://forums.moneysavingexpert.com/discussion/6500427/february-2024-grocery-challenge/p1"]OS Grocery Challenge 2024 58.22% spent or £1746.54/£3,000 annual
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 Debt Free Diary Get a grip Woman7 -
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 24 No 50
PB Win 21 £225, 22 £275, 23 £900, 24 (Jan £200 Feb £150 Mar £75 Apr £125 May £0 Jun £50 Jul £50 Aug £0 ) Balance Jul £3.6K + £12K added to pension & £1850 withdrawn
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 -
greent 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 End Date: Apr 36/Aiming for Aug 28/Current Oct 34
Mortgage OP 2024 £5500/7000
Mortgage balance: £47848
Make £100 extra a month: Sep £7/100
Boiler £400/200044 pay days until freedom!6 -
Watty1 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 xx2022: 3🏅 4⭐ 2023: 5🎖🏅🏅 🎖🏅6 ⭐⭐ ⭐ ⭐ ⭐ ⭐ ⭐ ⭐ Never save something for a special occasion. Every day in your life is a special occasion. Take hold of every moment - anon I'm a clutterbug butterfly 🦋 The difference 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 in your home, you won't start using it more by shoving it in a cupboard- AJMoney6 -
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 upsetDON'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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