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Watty's Awakening
Comments
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Love what your PA has done and good for you for both charging for ‘brain picking’ and putting your prices up 👏😊
Sounds like you had a good break and have come back into your reality stronger for it and refreshed 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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 -
Some great ideas on here. Thank you all. Will try Marketplace to sell the old switches and sockets, that is a great idea.
The new light for the landing arrived and I love it. £55 from Dunelm - but - it hangs too low to be where the old one was. I suggested that we put a hook up and fit the lamp then loop the chain so it hangs from the hook (it is a hurricane lamp and having stood on a chair to explain what I had in mind it did look lovely). The problem being that it seems to be about half a day's work as someone needs to lift the loft boarding and look for a joist to screw the hook into. It all sounded a bit much so I decided to send it back as I was putting it in the "frivolous" spends category which I am trying to avoid. However the VNM looked at it, asked if I loved it (which I did) and said he too thought it would look fabulous in space so I should just keep the light and one day this year when he has a day free he will do hang it.
I was really moved by that. So kind. He has realised I don't like presents and said he would prefer to gift me some time to help out in that case. He really is a star.
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 !!17 -
A slightly whimsical post that I know some of you will "get". I was standing on the landing and looking into the stair space which has had all the wood fixings taken of the walls and all the colour removed and is now just one drop of pure white that arches over the sloping ceiling into the landing and I felt at peace. The house is becoming a new house just like I am becoming a new me.
A few mins later in the kitchen I opened the cutlery drawer. Yesterday I had removed all the cutlery that reminded me of the ex. It was stuff he bought from his house when we first moved in together. It was all really nice stuff but I just looked at it and thought of him and the mess everything became so I bagged it all up to go to the charity shop. I now own just 3 forks, 3 knifes and 6 spoons but again the same feeling of peace. It is as if the tendrils of him are being removed. There is a way to go emotionally but I hope that by removing the physical presence the emotional will have space to heal too.
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 !!16 -
I felt at peace. The house is becoming a new house just like I am becoming a new me.
😭😭😭😭
So happy watty, through my tears! I think this is what we all wished we could fast forward you to! Im sure there will still be ups and downs but this is so lovely to read.
Daisy xxxxx22: 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'9 -
That’s is just so lovely to read WattyCarolbee5
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I obviously have some diary to catch up on and sounds like you’ve been through it / going through it. Hope you are ok.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)4 -
So glad that you are reclaiming your space.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.5 -
This is truly lovely 🥰
Reminds me of when I ran away and moved into a shared house. Every day I got home before anybody else and I remember standing in the kitchen there and thinking “What will I have to eat?” “OH! I can have ANYTHING I want!!” (he was very controlling about food amongst a myriad of other stuff …). That euphoria lasted about two weeks and I still remember it now - an amazing, tangible piece of freedom 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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.10 -
I was euphoric when I decided to divorce too. I've spent over 2 years decluttering and getting rid of reminders and my Ex was nothing like yours - and yet I still saw some of the things as toxic clutter.
I'm glad you are reclaiming your space and finding your happy. Really thrilled to that VNM is doing practical things to help you.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/257 -
I left my marriage and moved into my own place 5 years ago this month. I am still decluttering and reclaiming my mind but still find it hard to do things because I want to without getting approval.savingholmes said:I was euphoric when I decided to divorce too. I've spent over 2 years decluttering and getting rid of reminders and my Ex was nothing like yours - and yet I still saw some of the things as toxic clutter.
I'm glad you are reclaiming your space and finding your happy. Really thrilled to that VNM is doing practical things to help you.MFW 2025 No. 7 £2331.07/£2700
MFiT-T7 No. 6 £4868.07/£30,0007
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