We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Watty's Awakening
Comments
-
"No thank you. Please don't contact me again unless absolutely legally essential"
I would say go to the show, let VNM and your friends know you're a bit anxious and that they need to have your back just in case he appears, enjoy your day as best you can with your head held high because you are a kind, intelligent, capable person who has achieved so much, not least rebuilding your life, and marvellously, after this twisted individual's years of trying to make it otherwise.10 -
Your, ‘I feel sick’ reaction, says it all for me.Don’t reply, tell VNM and friend that you need your back covered at the show and go and enjoy yourself.How come ex even knows that you won’t be competing though ….? 🤔
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.7 -
badmemory said:to do listfirstly ignoresecond make sure home is secure or even leave someone in residence (not VNM as unfair to him)three forget he exists, he is just trying to wind you up.Anyone else feel free to add 4 onwards
He is probably messaging to check you are still on the hook. Maybe his life isn't going so well. He has no right to message you. After all the procedures you went through to get away from him, no sane person would think it is ok to stay in contact with you.
Take care of yourself 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!9 -
I would have no contact.
On the dog part it is anxiety provoking and unsettling for the dog as shown when my Ex brought my ex dog back a few times when it suited him. The dog was confused and anxious. We'd parted on OK terms but it was still a bad idea. I said no to future suggestions. I refused shared custody of the 🐕 too as I wanted a clean break. I still miss her but 'c'est la vie.'
HTH.
Commiserations on CC. Hope you find a solution you are comfortable with.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 29/7/255 -
I love this forum and you all so much. Thank you all for chipping in. I just left it to think about how or what to do or not to do yesterday. I got sucked in because it all seemed so nice and reasonable and yes I am sure he is missing WattyDog and so he had a hook in. However he did choose to leave WattyDog behind as many of you pointed out.
The ex knows I love the show and the cobs and the native ponies are on the same day and I usually go that day to watch so the odds are high I would go. He may not have thought i would have the confidence to give a class a go but it is possible that the neighbour he met recently by chance at the hospital said something. So I'm thinking (a) someone we both know said something or (b) he made a guess based on knowing me.
So what to do. After reading the very wise counsel on here I have decided to tackle this before the show and plan for the show. Yes, I am still going to go and I don't want to be feeling fretful all day about bumping into him so I am going to reply that it will be inappropriate to meet up and I would prefer that we did not meet as it will be unfair on WattyDog
Having done that I know he will be there so I have made a plan. I am a life member of an agricultural society that has a members tent so I can plan to spend part of the day in their area watching the main ring rather than the classes i would normally watch. It is a shame to miss them but it will be better for my mental health to avoid him and I have two members tickets so the VNM can join me there. I will tell the VNM I do not want to bump into the ex and so we need to have a plan and that will involve a large part of the day in the members area and walking WattyDog away from the main rings.
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 !!15 -
Glad that you have a plan.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. ***Be the difference.***
One debt remaining. Home improvement loan.7 -
You sound very wise ! Helped by all the commenting no doubt.
Yes he is being very unfair on the dog and you!However when has he demonstrated being kind, fair and thoughtful to either of you in the last few years??Keep that harsh but very honest truth front and centre. What he wants is always more important than treating other people and dogs kindly. We all know that x
Yes glad you can have a good day despite allDON'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#latest7 -
forewarned is forearmed. Glad you know in advance and can make plans. Hoping its a fabulous day and any encounters are dealt with smoothly
Dxxx22: 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'5 -
Update: I messaged and had a very peculiar message back so I rang and explained the situation very clearly. That we would not be meeting up under any circumstances and that for the sake of the dog I wished him to stay well clear and he informed me his life situation has changed and that he is now in a position to look after WattyDog.
I would like to say that words failed me but they did not. Instead I said all I've possibly wanted to say for a long time along the lines of I just dont get why he is sitting there bleating about his health and his income when he has an excellent job and a gold plated pension and that frankly he royally screwed me over and that WattyDog is not something to pick up and drop as suits him. I felt so much better for saying that and he has agreed to go another day and so avoid us. (Dont know if he will but I think he might as he has texted to confirm that).
Really proud of self for saying all that calmly. He really is a total (insert whatever word you like) which is why he is my ex and I am happy and should really be working to pay the bills instead of being on here nattering awayGoing back to work but thank you all so much.
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 !!13 -
Wow go you, @Watty1! Fantastic response.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 21/3/226
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards