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Watty's Awakening
Comments
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Oooh, friend is acknowledging that she has an issue with her horse’s behaviour? That sounds like huge progress too 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
KajiKita said:Oooh, friend is acknowledging that she has an issue with her horse’s behaviour? That sounds like huge progress too 😊
KK
The vet is still to come up with a plan but I'm going to talk to one of my friends later to see if she knows a rehab yard as it is looking like surgery for the mare.
The VNM asked me I would do the rehab after surgery if it comes to that because I do have a spare stable but I said no, I'm exhausted already and I can not take on the partial care of someone else. I just don't have the energy.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 -
It’s good you recognise you have too much on and can say no - more time outside with a cup of tea and your horses is my prescription!
glad you are seeing all the gifts you have in your live.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#latest6 -
Well done on holding boundaries that's huge especially when in the past others didn't acknowledge or deliberately trampled your boundaries. It's the top thing ve tried to learn over the last few years.
I'm glad you feel better about keeping your place. I found post divorce there were some people suggesting I didn't deserve to keep mine and telling me I couldn't afford it which while it was a stretch was untrue. Do you have those internal or external saboteurs? If you do, how can you silence them?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/259 -
How very dare they @savingholmes?! Too many people think that newly single women are fair game for their clueless comments but you showed 'em. Well done @Watty1 love to all Humdinger xx4
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savingholmes said:.
I'm glad you feel better about keeping your place. I found post divorce there were some people suggesting I didn't deserve to keep mine and telling me I couldn't afford it which while it was a stretch was untrue. Do you have those internal or external saboteurs? If you do, how can you silence them?
Thinking about that here I realise I have internalised that message very clearly.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 -
Watty1 said:I do yes - the external ones I can move on. The internal ones are harder to quieten. The ex used to regularly tell me how I only survived financially because he supported me. Indeed at the private Financial Dispute Resolution hearing his side produced evidence that I was supported entirely by him and only earnt very little.
Thinking about that here I realise I have internalised that message very clearly.I do find you inspirational in the way you are gradually working your way through the ‘layers of the onion’ to understand what beliefs are actually not yours, don’t serve you and are ready to be let go … 😊👏
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.8 -
savingholmes said:Well done on holding boundaries that's huge especially when in the past others didn't acknowledge or deliberately trampled your boundaries. It's the top thing ve tried to learn over the last few years.
I'm glad you feel better about keeping your place. I found post divorce there were some people suggesting I didn't deserve to keep mine and telling me I couldn't afford it which while it was a stretch was untrue. Do you have those internal or external saboteurs? If you do, how can you silence them?MFW 2025 No. 7 £1130/£1200
MFiT-T7 No. 6 £2873.51/£30,0007 -
Thank you @KajiKita for the kind words.
The very act of writing things down here and thinking about them and the really helpful comments have helped me unpeel the onion Until I posted here I hadn't realised how very deep the message that I cannot afford this house or this life went. Alongside it is a message that I can't cope and can't manage on my own with a rambling property in need of so much doing, three horses and WattyDog. Again that is one the ex always told me. That I would not and could not manage.
I am very lucky in that the VNM helps out so much, yesterday he offered to cut the grass as he had finished work early and so went off to do just that. When he reappeared for dinner I noticed the grass had not been cut but didn't say anything as he was so cheerful - he took me outside and showed me he had found some sand in a barn and fixed the loose patio bricks then had decided to look and see why the stable sensor doesn't turn on the lights and found a burnt out wire he had repaired. I was so grateful. These were small jobs that I had registered needed doing but had no plan for and the stable lights are wonderful. Now in the dark as I walk up the garden they come on automatically again. I love love love that from a security point of view and from a practical one too.
In a way I feel a bit "rescued" by him doing the odd jobs because it reinforces i have no idea how to do them but if I apply logical thought, I could get a handyman which is my intention eventually. At the moment I'm on major works like bathroom and redecorating and so on - but - my eventual aim is to have someone come in once every few weeks and do things like this. I really don't want to take advantage of his good nature and I do need to feel I am managing on my own. I will have a chat with him about that I think..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 -
You are right that you are lucky to have VNM, but he also clearly wants to help. You could suggest to him that he could show you how to do some of these things. But also the handyman plan is a good one. I have a gardener/handyman who comes regularly 3 weeks out of 4. Today he’s putting up a couple of shelves and rehanging a blind ready for the decorator who is doing that room next week. The decorator is in another room, and when I told him I was taking up the carpet at the weekend to get it out of his way, he did that himself, along with taking off the skirting and cutting it round bookcases (because it needed taking off and sticking back again anyway). The handyman will then mow and possibly do some pruning if there is time. We have a long list of indoor and outdoor jobs which he works through depending on the weather/whether I am available to help with them. It removes a lot of the stress.9
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