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Watty's Awakening
Comments
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Glad you reached out for support.
I think dental work takes it out of you - and then on top of that you have worries about CC and frustrations re VNM's mum. Hope things pick up for you soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/265 -
Thank you all for your support. I have planned an afternoon off work and am holding a "Ladies Day" party. I started this during lockdown when we were allowed to socialise outside to mark Ladies Day at Ascot. I wasn't going to do it this year but two friends informed me they were coming to mine LOL so an afternoon party is planned. Everyone dresses up as though going to Ladies Day at Ascot complete with hats. (It seems to have become an annual event)
Afternoon tea, a glass of fizz (or more for non drivers) and a sweepstake for each race, everyone puts a £1 in until all the horses names are drawn and then the winner gets the pot. Just off to buy bits to make a simple afternoon tea. Friends will bring extras to include fizz, strawberries, scones and cream so I just really need to make sandwiches and provide a cake.
I nearly cancelled it as the CC was due back at the vets but they cancelled the appointment as they had to book a surgery in so Ascot chez Watty goes ahead.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 great idea! Have lots of fun!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)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/224 -
Enjoy ascot! Lol
Dxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 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'3 -
Sounds fantastic.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
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. 20 months left.3 -
That sounds so fun !!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#latest3 -
Sounds great light relief.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/263 -
The party was fun and there was a lot of left over food and drink. I'll freeze a lot of it today but I should be able to eat most of next week off cold quiche and salad and there will be two cakes in the freezer for future parties.
Have had a number of people out to quote for the field work and even offered work to two who failed to turn up on arranged day. So frustrating. Offered the work to another one yesterday evening and asked when he could start so waiting for an answer. Would really like to get a large part of the work done.
Somehow have picked up cold. Very sore throat and feeling exhausted and tired so need to be gentle which means very little is likely to get done on the house today.
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 -
Just call it a duvet day, @Watty1: we all need them at some point and rest now will help you recover. You've been working hard employment-wise and done a lot on the house so perhaps doing 'nothing' could also let you have a look around indoors and appreciate the home you're making your own. I hope you feel better soon.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)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/227 -
Did indeed have a duvet day getting up to do horses and to pop into a neighbours for the 40th Birthday Party. Lovely BBQ and sat in the sun chatting with people and watching the children play. Once again I'm struck with how nice people are here and how I love living here.
Funny after all these years, now it is me and mine it is really nice.
Tomorrow off with the VNM for a day out but couldn't sleep so got up for a slice of cake and cup of tea and lovely catch up with diaries on here.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 !!14
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