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Watty's Awakening

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  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nice to have friendly neighbours. 

    Shows you have a good eye to have picked those lights. Lovely that your VNM wants to restore them to their former beauty.

    Glad you are feeling more positive. Hope you are having sun where you are. I am here - and I need to make myself go back out in it!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • badmemory
    badmemory Posts: 9,714 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Well you can call me a cycnical old woman, but if you hadn't said it was going through the business books you would never have got that VAT back.  Also no longer being a business & just being a sole trader does not absolve him from VAT.  I used to be a bookkeeper & back a long time ago I used to regenerate accounts from peoples bank statements which doesn't account for cash obvioulsy.  You know the sort of thing. All our books went up in the fire so we have no idea how much we owe & there obviously was a lot in the safe, up in flames.
  • Watty1
    Watty1 Posts: 6,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    hehehe @badmemory  That did cross my mind but for me it is a win so I'm going to take 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 !!
  • badmemory
    badmemory Posts: 9,714 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I must confess to 30 years down the line missing that "you what" buzz.  Everyone used to tell me I should be an accountant but one I was way too old to retrain & two far too literal/ not creative enough.  Although looking at some of these large accountancy companies they are way way too creative.
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