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Watty's Awakening

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  • KajiKita
    KajiKita Posts: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I buy all my curtains from T3rry’s - you can get TCB for them as well. 

    Sounds like you are making really good progress and how lovely that the space is starting to feel like yours now 😊❤️

    KK
    As 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. 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your home improvements are coming together. I got new bedding and new curtains for some of the rooms after the divorce too. It does help.
    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 29/7/25
  • Humdinger1
    Humdinger1 Posts: 2,309 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Congratulations @Watty1! Delighted but not surprised love Humdinger xx 
  • Dunelm have an Easter sale on curtains. I just had to buy a new pair after washing mine and not thinking about the blackout lining, which melted and stuck together 🙈
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


  • greenbee
    greenbee Posts: 17,848 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Moving stuff for redecorating is a good time to sort through 'stuff' and liberate it. I'm currently in a state of perpetual motion as I'm renovating, and when you're constantly packing and unpacking and repacking it does focus the mind!

    One thing I have done here (partly to stop myself rushing out and spending on curtains I then won't like later) is put up a lot of roller blinds - either thermal (N/E/W facing) or light filtering/privacy (south facing). It does help to have something covering the windows while you make up your minds, and places like blinds2go always have sales on. Or there are people like me selling old ones that don't fit their new house on FB :) 
  • Watty1
    Watty1 Posts: 6,882 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    @greenbee I've just found your diary and loving it.  That will be a happy distraction from work today :)   Roller blinds an excellent idea.  thank you!   
    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 !!
  • greenbee
    greenbee Posts: 17,848 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 8 April 2024 at 12:41PM
    You may find yourself nodding off @Watty1 🤣 It certainly doesn't feel like a moneysaving diary right now - I've just paid a monumental CC bill for furniture, I have a regular cleaner and handyman/gardener to help keep on top of things, when this week's snagging is done I'll have electricians to pay. I've also just paid the decorator, and am spending far more on the cats than is reasonable! I won't even think about the cost of getting the garden sorted out or any of the future work. 
  • daisy_1571
    daisy_1571 Posts: 2,130 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hahaha, its all relative!  All sounding great

    Daisy xx
    22: 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'
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