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Watty's Awakening
Comments
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Well done on going to the running club. Really important to look back and recognise progress otherwise easy to feel you are stalling 👏🏼💪🏼
4 -
Well done Watty. That first 5k really is the hardest, once you're there it will get easier and be worth it. X
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!5 -
Oh well done on the running club 👏😊🥳
At least 70% of the battle is psychological with these things … I speak from reluctant, feet dragging, experience… 😉
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2026 as @ 7th November.
Produce tracker: £356 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Utterly tired of the mess in the en-suite but as I am "using up" the multiple pots I have been putting up with it. I could stash everything in the overfull cupboards. (Too full since I discovered I had so much product stashed). I am realistic, I do not put things away in cupboards.
A crystal fruit bowl was washed and put on the surface beside the sink and all the "products" have been put in there. An old sugar bowl has been added to another surface and all the bits I use to tie my hair up have been put in there. All make up and hair brushes have been stored for years in an vintage china casserole dish so I just rolled the idea out.
The whole room is now a "use and drop in a bowl" zone. I am astonished to say these two simple hacks have made the room feel so much calmer. And no pennies spent either.
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 !!9 -
it may be more than 70% I am having to make myself go to club again this evening!
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 !!5 -
What a perfect idea.
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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.
One debt remaining. Home improvement loan. 9 months left.4 -
That sounds like it looks lovely. Just make sure to use them up or you'll have created a dusting job, and no-one needs an extra dusting job 😁
Are all the extra products things you'll use? If not and they're in date, could you donate them to a women's refuge or 'food' bank?
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty5 -
PiP, I donated a lot when I found an extra cupboard full of stuff. I have just kept "extras" of stuff I use. And if I start random things and I don't like then (like the "balancing mist" that sounded fabulous but made my skin feel sticky) then I am chucking or asking pals if they would like. This way the bowl only contains, at present, the day moisturiser I am using and the night one (two is a faff but the day one has a sunscreen in), toothpaste, a serum (won't buy that again), a lip balm, a facial scrub and an eye cream and something else I'm using up.
Inspired by a thread elsewhere on here, the plan is to use something and shop from stores for a replacement. I'm looking forward to the brown plastic soap handwash being replaced by a lovely smelling soap soon!
The en-suite is tiny, I do not need extra dusting but if the bowl just contains what I either use or am using up I have a tidy room with a "drop and go" approach to tidying up and the bonus is some vintage glass and china has a use.
After a few days it still looks like the tidy room when I did this which is a bit of a first for me! The only other time I've had a tidy bathroom was my fabulous rental which wasn't exactly tidy but had so much storage and space it looked it 😀
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 !!7 -
Running yesterday was hard work. WattyDog was a bit anxious as I was leaving so VNM put him in the car and all 3 of us went to the club and whilst I ran WattyDog ate his kong and VNM ate some rubbish snacks, both sitting in the back of the car with the boot open. VNM told me they had both had a lovely night out 😂
I think it might be the meds causing the anxiety, he gets a bit OCD about how his evenings should be and when they are not like the usual plan he gets anxious (WattyDog that is, not the VNM)
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 !!7 -
I think dogs like routine. Stinky got anxious when my mum was in hospital and his routine was disrupted - and still does when trades being here means walks are at odd times. I do try to vary timing to avoid him getting too used to a routine, but he still has opinions… he also seems to think that bedtime should be earlier now it gets dark earlier (or maybe just that bedtime should be before I fall asleep on the sofa so he has to wake me up!).
7
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