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Watty's Awakening
Comments
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@Watty1 - go with your gut my dear - if something feels off you are sure to be correct!
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 - Jun 2040 (reduced by 1 years & 3 month)3 -
I agree. I just wonder if she has been put up to it by PPH? Just to distract, attempt to deplete your confidence and waste your time. Maybe she is his sister!
Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
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 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
My keep within our budget diary is here5 -
Chatted with a friend last night on phone, sadly she lives so far away from me I rarely get to see her now. Anyway she made me laugh by reminding me that in her opinion I used to run a Moroccan Souk in a former life as whenever we go out somewhere one can "bargain" she walks away and leaves me to do the haggling and she is confident I am very good at it. She cheered me up a lot by saying she was surprised they thought at this stage the buyer could tag team with her accountant and drive the price down and the idea was laughable.
After much laughter I confessed that I am just tired of the process so I will do the next meeting but at that I need to come away clear that we are either in agreement this will happen with a timeframe or realise we are stuck in a never ending cycle of trying to ease buyers insecurities and remove every conceivable risk Pal reminded me that my willingness to "have a go" and "take a risk" is exactly what allowed me to recover financial ground after PPH.
PPH dramas made me learn I need a plan B a plan C and a plan D. So I have a clear plan B, a partial plan C forming.
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 !!6 -
In MSE news the cleaner could not make it this week, so, I transferred the money to the credit card. Trying to clear the debt and live within our means this month is harder than I thought.
Next area of saving will need to be food so I have cancelled organic veggie box and "extras" that I have been adding and done an online shop instead and we will need to start a "use up" drive. I need to have a good look in cupboards and freezer but I have been putting that off as overwhelming. The organic box and meals they offer has been a great solution to the fatigue (and I have eaten so much better) but I think if I can clear the cupboards and freezer then I can make a serious dent in card.
And no one really needs 20 tins of black beans :)
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 !!6 -
@Watty1 - I do love a good store cupboard challenge, but tbh there is something to be said for having the option of looking to meals that save energy as well! Perhaps a mix of the two might work? Gently weaning yourself off reliance on meal boxes? We now look to grocery store top up meal deals when needed instead of takeaway or meal kits. In the time it takes the uber to get to us, oven can heat up and kettle boiled and table set!
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 - Jun 2040 (reduced by 1 years & 3 month)3 -
@rtandon27 I love a store cupboard challenge! for next week I've cancelled the meal boxes and made a plan but I think I will most likely do a mix of the two once my clear up is done.
The meal boxes have been an energy thing and since finding the current one I've been loving the meals. We switched our evening meal to lunchtime. I was getting so burned out during the day that by 6.30 I really wanted to be in bed so that switch has really helped. At the end of the working day I now have a bowl of soup or a sandwich.
This has had a bonus, I realised I was using a couple of glasses of wine as a mood and energy boost so alcohol intake now dropped considerably too.
So, from next week operation "use up" starts.
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 -
Well done on the alcohol revelation!
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 - Jun 2040 (reduced by 1 years & 3 month)5 -
Took CC out yesterday and he was perfectly behaved but did make me laugh by pointing out all the changes since we had last done those roads - look new gates, oh careful (need to cross to the other side of road) that house has put in two palm trees (?), ah we need to be careful here, sheep! ah new hedging plants in, isn't that early? shall I prune them by eating? I did giggle a lot. He made up for his behaviour last time!
It was such fun. Then went for a walk with VNM around a local field that may one day be a housing estate but is currently part of an archaeology dig as part of the pre planning requirements. It was interesting seeing the trenches but very little "finds" on evidence but some places had plastic bags and tubs of stuff which I assume are for further investigations.
In many ways sad, those fields will all be gone for housing. Just reinforces why we will eventually move away we felt.
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 !!11 -
What a character 👏 😆
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 2🥈 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'5 -
As a random question- why is she the only potential purchaser? Is there an option to advertise the business for sale?
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