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Watty's Awakening
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Sending virtual hugs 🥰 🤗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.4 -
Be kind to yourself, sending lots of gentle hugs and moral support.
You have a lot of completely justified crying to catch up with from years of horribleness, so if you need to take a few days every now and then to get a batch of crying done, you do that.
Is your bedroom space ready to be a haven for you even if you can't nod off as quickly or well as you'd like? If you can muster the energy for clean sheets do that, and remove any clutter (even if that does just involve turfing it into another room), have some nice book options next to the bed, a favourite lamp or safe candle, that sort of thing.
You'll feel better soon, I promise. You're being perfectly normal and healthy in feeling rubbish!10 -
I feel you Watty. I've had hours at a time where I've cried my eyes out too and other times when I've desperately wanted to cry and been unable to but felt it like it was held by a flimsy dam inside. I'm on meds and have regular counselling which I increase the frequency of when struggling like now - and reduce when I'm doing better.
What I'm trying to say is how you feel is valid and understandable given what you've gone through. I think your VNM's Mum plus the Ex's recent contact have probably both been triggers. Really hope you get to speak to a GP and ideally a counsellor soon and get to offload some of how you feel and process it to reduce it's future impact.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 29/7/259 -
Echoing all the comments about recent triggers, how well you have coped and how sometimes it will just be too much.Take a step back.
Take a breath.
Remind yourself how far you’ve come.Be kind to yourself in whatever form that takes.Sending hugs and belief in you - we see you ❤️
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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.9 -
Echoing all the above
Hugs daisy xxxx22: 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 -
Dearest @Watty1 you are I think processing everything; you will come through this and it is healthy if difficult. Wounds sometimes hurt most just when they are healing at a very deep level. What a journey you've had! You are - as ever- utterly amazing. Please remember how much love there is on here for you and IRL. Love Humdinger xx6
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Sorry things are difficult at the moment but you should be proud of yourself for all you have achieved. Well done for recognising how you feel and facing it. X4
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Hi Watty, I've sent you a message I hope you don't mind! ❤️MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Thinking of you @Watty1. I hope things have eased. Did you manage to get a GP appointment?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 21/3/225 -
Sending a hug, in case required xAs 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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.4
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