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Watty's Awakening
Comments
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Sounds really positive re counsellor well done you for sticking with it. Crazy health system in the UK.
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#latest4 -
What a lovely day. Spent a couple of hours on the yard with the horses this afternoon as CC had his chiropractic treatment and I asked her to treat Fell Pony and Most Handsome. I realise this will be expensive but MH has been behaving a little as a human does when one gets off the sofa and the hip gives way for a moment and one staggers a step and then is fine. Turned out he had muscle problems in his right hip which i suspected and FellPony very stiff in neck. FellPony has been lame so I was expecting more but we will see what happens now he has had a treatment.
CC perfect - I mean regular readers know I think he is perfect but there was nothing wrong with him whatsoever and chiropractor asked if I wanted her to come back - and I duly booked her in for 8 weeks time. I really don't want to change anything with CC.
The other two have been left exercises so I will be doing those with them. And I feel very cheerful indeed :)
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 !!12 -
Glad to hear all of that 😃 🙂
dxx
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing 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'4 -
How nice to be officially told you have to spend time with the horses.
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 21/3/224 -
I read your post as I got in from work this evening and it was one of the highlights of my day, thinking of you, outside, in the sunshine, tending to your favourite souls - genuinely warmed my heart 😊❤️
I hope you have many more days like this x
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 25 books of target 52 in 2026 as @ 5th April.
Produce tracker: £73 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.7 -
I also hope you continue to have lovely sunny days with your horses. Don't you find the sunshine (even on cold, crisp day) lifts your spirits, along with all the yellow and pink flowers at the moment
Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
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 in 2026 discussion thread
My keep within our budget diary is here6 -
I love going to the chiropractor, really helps with my achy joints etc. I’m sure your horses will appreciate it even though they can’t tell you.
love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.538 -
The sage of VNM's mother's house rumbles on. Have changed estate agents, dropped the price, new photos, took it off RM and then put back on. All sounded good but this one now as vague as the last. Did get an offer from a first time buyer so accepted but turns out the estate agent never told them it was non standard construction and so their mortgage survey valued it at zero. Of course they will pull out (who wouldn't with that valuation?)
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 -
Oh dear - I feel for both of you with the saga - we had a similar situation with OH's parent's house many years ago - and that sucked a year of weekends out of us! - It will get better!
4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)5 -
Oh no. That’s not good.
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4
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