We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Watty's Awakening
Comments
-
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 😊❤️
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.3 -
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 29/7/252 -
Congratulations @Watty1! Delighted but not surprised love Humdinger xx3
-
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!4 -
Thank you for the tips on buying budget friendly curtains. I will investigate further.
I'm going to try to get the kitchen blinds cleaned. They are rarely used, all downstairs is open plan but these are rarely closed as the kitchen window and part kitchen part dining room are not overlooked. I had a good look at them yesterday and they are in excellent condition just dirty and they are lovely blinds. For some reason they do not remind me of the ex. Perhaps because I had a local shop make them and hang them and he was not involved. Anyway they are nice enough to keep so i just need them cleaned.
Have started moving "stuff" from downstairs into the spare room as mid week the decorator should make it downstairs. I am realising I need to be so much more disciplined in my decluttering as I still have too much "stuff" in the house. The joy of the place I rented during the separation was i only had what I had chosen to take with me whereas here I have the accumulated stuff of a house that has been lived in for many years but that no-one really wanted but is just "left".
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 -
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 FB2 -
@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 !!4 -
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.3
-
@greenbee that is funny. As you have noticed I have a huge WattyDog a cat 3 horses and a cleaner and am throwing money at making the house to make it mine and I still think I am having a "no spend year" other than recovering from my ex - which redoing the house is partly about.
I was adding up my spending the other day and the VNM mentioned he would hate to see what a spending year looked likeMade 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 -
Hahaha, its all relative! All sounding great
Daisy xx22: 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'4
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards