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Watty's Awakening

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  • daisy_1571
    daisy_1571 Posts: 2,134 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    well done,  great thinking on your feet!

    Dxx
    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'
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
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    badmemory said:
    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.
    I am also being a very cynical woman here .. sounds like he was trying to take you for an extra 20% but well done for checking up ! 

    Sounds like you did great on the talk - go you !
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Cherryfudge
    Cherryfudge Posts: 13,324 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Very well done on handling the difficulties over the speaking event. It shows you are really on top of things when you can pull something like that out of the hat. I'm glad the laptop was recovered, though, and I hope your link goes through. Having it on a separate email might even highlight it for readers.

    I hope this evening goes well.

    And as to giving up work - I expect you would fill the time with house, garden and horses, but remember to leave yourself something to do in winter when the days are short and light is less. Consultancy, perhaps? I am sure your knowledge shouldn't be lost to upcoming generations.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

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  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Sounds like a productive event, (and fabulous food) and well done you for taking the bull by the horns and coming up with a workable solution to the anxiety.... Robert the Bruce had the right idea! :smiley:
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • daisy_1571
    daisy_1571 Posts: 2,134 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    sounds like a great idea.  I used to say a similar approach when folk were stumped training pups - don't set them up to fail, lots of positive interactions.   Thats exactly the sort of approach you have identified for yourself.   It should surely have good results and be very freeing for your future. 

    Dxx
    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'
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the 20% refund and that you can get the work on the other two rooms done sooner.

    Sounds like you did really well on the talk and on managing anxiety. Well done. Hope you get lots of lovely feedback.
    Achieve FIRE/Mortgage Neutrality in 2030
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    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
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