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Watty's Awakening

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  • Watty1
    Watty1 Posts: 7,060 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thank you for that @Debsnewbudget   I will do when I am ready to purchase.  Nice info.
    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 !!
  • daisy_1571
    daisy_1571 Posts: 2,186 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    We've been here nearly 3 years and only now do i feel we are really moving in to each room so I understand.  We've been going round the house a bit at a time painting (walls and roof in each room),  just similar colours to whats already up, but it entails clearing everything out each room of course.   Some things had been put down when we moved in then never really looked at again.   Now I feel we are thinking properly about each room and what should be in it.  Its tiring but worthwhile so wishing you all good things for Move In May for you and the creatures  :) 

    Dxxxx
    22: 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'
  • ajmoney
    ajmoney Posts: 6,468 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    This is so lovely to read Watty, enjoy moving in :)
    MFW 2025 No. 7 £1530/£2700
    MFiT-T7 No. 6 £3571.87/£30,000
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are enjoying the results of the recent upheaval. Enjoy continuing to make the space your own 

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • northwalesd
    northwalesd Posts: 1,325 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sounds fab Watty, long may you enjoy your house  :)
  • KajiKita
    KajiKita Posts: 8,074 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That’s a really lovely post to read, so pleased for you 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 50 books of target 52 in 2025, as @ 13th September
    Produce tracker: £385 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. 
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