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Watty's Awakening
Comments
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Third time lucky Watters! Good on you for having a gohttps://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 Carmichael4 -
Oh that's such a shame about the crumble! Are you sure you've not just invented a new delicacy? No? Ah well.
If you leave out the sugar (and all but a pinch of salt) and perhaps add some cheese, crumble is really nice as a topping for mince.
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 21/3/225 -
Oh no to the crumble.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.
One debt remaining. Home improvement loan. 20 months left.5 -
Could you not add an egg and make some sort of scone ? Or did you put the full amount of salt in?
Sealed pot challenge 822
Jan - £176.66 :j5 -
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 !!4 -
Book on psychological abuse helpful in understanding and also in stopping any vestiges of sympathy / empathy for PPH (and getting why they were there). In time I will try more of the healing techniques. For now, this winter, will cope with the hormonal issues as best as I can.
More on the feeling fabulous goal I set this year: have made an appointment to research options for hair. My hair has been falling out over the last few years. Many younger friends have hair extensions in and that seems normal to them, so it occurred to me maybe I should look at "wearing hair" like they did (only I need wigs or toppers or something, hair fibres cover the bald spots currently but I want a bit more than that to have fun with)
Having researched local places (none of which replied to calls/messages/emails) I found a place to go in Essex. They have asked for photos in advance and "hair goals" I have no idea about my hair goals but I would like enough to put up, to feel more like "me" and to "sparkle" when I see myself on camera and in photos
Hope that doesn't sound too vain. I realised health was one issue but also the way I look and feel is all tied in 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 !!11 -
Not vain at all, its sounds positive to me and linked to feeling more confident/better.6
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Hi Watty
I'm all caught up on your diary again - briefly at least.
On the hair - that can be stress or age - but it can also be zinc deficiency. Might be worth looking into.
The cupboards look lovely.
I'd love to own multiple acres - but agree a kit house may offer more cost certainty than doing up an existing property. I totally get the temptation though. I always think when I look at those properties that I'd need at least the same money again to do it up. It's definitely worth working out a cost per square metre type cost for refurbishment and adding that to the purchase price so you can compare it to more 'finished' options.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/265 -
Not vain in the slightest.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.
One debt remaining. Home improvement loan. 20 months left.4 -
Watty - not vain in the slightest. I come from a family that has (on the maternal side), a propensity for female pattern baldness. My mum tried to do the best with the slight curl her hair had, but there's no doubt it got her down, especially towards the end of her life. So do what you need to feel good, however you need to do it.
Greying XGrocery spend March 2026 £3.84/£195
Non-food spend March 2026 £0/£80
Bulk Fund 2026 Month 3/12 - £0/£114.50 (reducing balance - start £120 pa)
""Mother Nature don't draw straight lines
The broken moulds in a grand design
We look a mess but we're doing fine
We're card carrying lifelong members
Of the union of different kinds..."
"Union of the Different kinds" - R Christie & T Gilbert, Fisherman's Friends4
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