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Future Proofing my life: Deposit saving then MFW journey in under 13 years
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Oooh, its got myrna loy, another of my favourite actresses. Love her in mr blandings, one that, like you lwap, I put on as comfort viewing ❤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'1
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The whole of Camden and Islington boroughs seem to be ridiculous. The amount of places we've been to see that are 30 minutes walk from a tube, tiny, dingy, in a rough area and they're best part of half a mil cos 'Camden/Islington'. And they're not even the most expensive boroughs 😂4
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@PennysIntoPounds I saw a 1 bed, v high ceilings + windows, no outside space in Camden and a open plan kitchen/lounge £575k!!
Definitely a spendy day as I caught up with some Xmas shopping online - still a few bits to get but all shop bought now - some CS books for the kids etc
A LaPlan Rant coming up - you may want to skip.....
Got some unspoken family drama dumped on me just as the last few years various members of the family arent talking to each other and I keep getting caught in the middle .. I feel bad for my DM as she is also caught up in it but I am being heaped a load of guilt about where I will be (I am trying to take it in turns but people cant count!) and honestly I would rather just get on a plane and go skiing..
I wont but Xmas is pressure enough without everyone have these ideas of how things should be at xmas .. they change .. family units change .. I am sure those of you with various kids and ex partners, ex MIL's etc know the stresses of this more than I...
I keep thinking 'better live with regret than resentment ....' but honestly I used to enjoy Xmas far more without all this drama none of which is my making. I missed xmas with long term partners before cos of family pressure and if I was in a relationship now I would choose to be more fair rather than always being with family and not the person I loved with nowadays.
So excuse me whilst I have a tantrum ... I am sorry for those caught in the middle but I cant make other people change and I hate passive aggressive guilt being dumped on me when actually the anger should be directed elsewhere..
Argh..
....................................
On a better note the side hustle looks like it is indeed moving forward from spring next year - could be great money ... but need to work out some details... some of which I am not sure of ... we will see...
EDIT: actually some bonkers stuff emerging .. I may be saying no ... unless we can clarify. clearly... I will be.
I forget LaPlan is often still seen as an attractive woman but honestly I am over 50 ... it is not something I think will get in the way of my work anymore (ha!) .. I am blaming that LED face mask ....
but I have picked up a mini side hustle one- off job Friday.
Main contract - have a conversation tomorrow so hopefully get things moving along.. I am feeling a bit demotivated by the lack of payments tbh
Hassling the other 2 for cash owed ...
Good news is I have enough EF money to be fine no matter what
SIPP + ISA's are up a bit
Loving ynab even with seeing my xmas shopping changing my budget
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#latest5 -
Urgh to family drama at Christmas 🙄 Mr Cheery and I went our separate ways the first year as we'd only been together about 6 weeks, but then the next year we went on holiday and didn't visit any family til January 😁 It was great 😁 So great, in fact, that we did it for several more years, and broke any expectation of us going to any family at all 😂 Then for several more years we stayed at home, just the two of us 😁
Last year we ended up going to his family as his dad was quite ill, and it seems we're going again this year, but I confess I'm keen for it not to become an expectation that that's what we'll do every year...
So I reckon take yourself off somewhere and sack them all off! Or just tell them you're going on holiday and have a nice few days at home 😁6 -
Cheery_Daff said:Urgh to family drama at Christmas 🙄 Mr Cheery and I went our separate ways the first year as we'd only been together about 6 weeks, but then the next year we went on holiday and didn't visit any family til January 😁 It was great 😁 So great, in fact, that we did it for several more years, and broke any expectation of us going to any family at all 😂 Then for several more years we stayed at home, just the two of us 😁
Last year we ended up going to his family as his dad was quite ill, and it seems we're going again this year, but I confess I'm keen for it not to become an expectation that that's what we'll do every year...
Well done you on getting the habit sorted from the start . I think its normal couples want time together themselves.. whether I am solo or not its somehow its expected i do all the rounds..
I think as our parents get older its harder to say no...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#latest4 -
Indeed it is. It is always me who ends up doing the rounds at some point over the festive period, nobody ever travels to us. I find it unreasonably vexing - for various reasons various family members can't or won't be in the same house, so I end up going to for different houses that are all fairly close together - can't really do for in one day though so I end up going over twice which I just find annoying, even if they'd a week or two apart. Need to shift my attitude really!
Going to Mr Cheery's cannot means a five hour round trip of Christmas day itself, which isn't what I want really but there we are. At least this year it'll be at a different person's house so slightly different (and possibly more relaxed)3 -
Cheery_Daff said:Or just tell them you're going on holiday and have a nice few days at home 😁Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Sorry to hear about the family drama hope you come up with a solution that suits you. In my family I am lucky my sister always hosts everyone and we can stay incl my mum and dad who are divorced.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
Family dramas are the worst.Every family has them.Bah humbug.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 -
@TallGirl lucky you that you are all grown up and see the positives of getting along despite divorce and differences of opinion - I dont talk to my DS re politics anymore as she has become more right wing over the years .. Brexit/BJ/'Queen Camilla' all are no go subjects now for me
We had difficulties then a decade of all fine Xmas's then argh since ..
I am like a politician in my getting on with everyone (so said a friend of mine this weekend!)
I am sure when my parents are not here I may regret not being there every Xmas but honestly I think its unreasonable to get annoyed with me as I try to keep everyone happy ...
'be regretful rather than resentful' is my Dec motto ..
@beanielou I know you have had a few issues - sorry - we perservere nonetheless.South_coast said:Cheery_Daff said:Or just tell them you're going on holiday and have a nice few days at home 😁
I need a (possibly imaginary) partner next xmas to blame for my 'running off' over xmas.Cheery_Daff said:Indeed it is. It is always me who ends up doing the rounds at some point over the festive period, nobody ever travels to us. I find it unreasonably vexing - for various reasons various family members can't or won't be in the same house, so I end up going to for different houses that are all fairly close together - can't really do for in one day though so I end up going over twice which I just find annoying, even if they'd a week or two apart. Need to shift my attitude really!
I travel as they have kids/pets/older.. I think the first year I buy my own place I will be insisting I stay there and people can pop by! Xmas 2024..Cheery_Daff said:Indeed it is. It is always me who ends up doing the rounds at some point over the festive period, nobody ever travels to us. I find it unreasonably vexing - for various reasons various family members can't or won't be in the same house, so I end up going to for different houses that are all fairly close together - can't really do for in one day though so I end up going over twice which I just find annoying, even if they'd a week or two apart. Need to shift my attitude really!
Going to Mr Cheery's cannot means a five hour round trip of Christmas day itself, which isn't what I want really but there we are. At least this year it'll be at a different person's house so slightly different (and possibly more relaxed)
I need to renew my driving license - that would make life easier as I could hire a car... I cant see it getting renewed in a week though..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#latest5
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