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Watty's Awakening

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  • greenbee
    greenbee Posts: 17,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Watty1 said:
    @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 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 like :)
    You and I can enjoy our no spend year together ;) 
  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    greenbee said:
    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. 
    You sound like me, apart from the electrician. Sigh.
    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. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    All action over here ! The bedroom sounds great and I think it’s so important you have changed the energy in there - well done on the accreditation 

    I also have paused on the decluttering… and my study has taken the brunt of that.  Clothes to sell, shows and bits - it needs a 3 hr start declutter then a daily push .. 

    when I tracked my spending - voluntary on here last autumn it was shocking .. - such a good exercise .. and now with YNAB it’s easy for me to track as  I go through the month and stop myself as it nears excess 
    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#latest
  • greenbee
    greenbee Posts: 17,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm changing sockets and switches too Watty. Mostly because the brushed steel/aluminium ones already here are flimsy and hard to get plugs out of them (electricians hate them too). White plastic is more robust, easier to match, and easier to clean. 
  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Dark blue switches are right up my street. 
    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. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • I've started to listen to a podcast called Clutterbug and she is amazing for motivation!
    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!  


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