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Future Proofing my life: Deposit saving then MFW journey in under 13 years
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skint_spice said:I have two boxes of shoes under my bed that I never wear but feel I may need one day! I could probably live without them couldn’t I 😂
The beautiful but rarely worn things stay, the average not worn in years goes.. thats the rule in my house anyway!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 -
That's a good rule. - we have a lot of stuff like that!3
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When you are freaking out about people buying you gifts because you have no idea what you are going to do with them - that's when you know you have achieved minimalism 🤣!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!!!6 -
All my big talk of minimalism game MG has turned out to be largely talk - as a v good friend and neighbour got into london an hour after me and somehow lost his keys on the way from Euston
so I quickly unpacked most my stuff and had to drag stuff out my spare room so we could get the blow up bed in there for him - it’s a brilliant blow up double bed but I still have too much stuff - we managed to get the door shut by popping the bed on its side !I have kept some huge equipment boxes which doesn’t helpAlthough at least I had done 3 months of the MG and got rid of loads of stuff in there. Otherwise I can’t imagine ..
however I have now quickly dumped what were Xmas gifts, papers to still sort and odds and sods in random cupboards .. so I do have a lot of tidying to do tomorrow though the lounge kitchen bathroom all looks great .Stuffing in cupboards is never a solution ..and my room is looking full .. not how I want to wake up NY eve ..
Still I am happy to help my friend
Good news is its huge motivation and inspiration - it’s making me think about how much unnecessary stuff makes things harder to clean .. And need moving and make things look not as beautiful as it could.
I am not planning to sell non clothes stuff or cheaper clothes - the CS can have - I don’t sell or am too busy to list .. and my focus has to be on other thingsI thus also have a huge load of recycling stuff collected 30 done today for Day 30DON'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 -
Well done on decluttering even if there is plenty left to do, one day you will look up and find it is more manageable. It is getting easier for me.
I can't imagine having that many shoes. I have about 3 pairs I wear regularly and up to 7 others in the garage... That feels too many.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
South_coast said:When you are freaking out about people buying you gifts because you have no idea what you are going to do with them - that's when you know you have achieved minimalism 🤣!
My mother gave me a truly hideous quilted bag for Christmas - it was beautifully made, but dear me, the fabric …. 😳 Even Mr KK blinked at it! 😂😂😂 That is being regifted to a friend who loves these kinds of colours and fabrics. I suspect if I ever see her house it will be somewhat overwhelming for me! 😉
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.8 -
I got some gifts like this KK and I am already wondering how to dispose of them😂 they are still in a gift bag in the lounge as there is no way they are going upstairs 😂Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)6 -
skint_spice said:I got some gifts like this KK and I am already wondering how to dispose of them😂 they are still in a gift bag in the lounge as there is no way they are going upstairs 😂
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.5 -
This is why I no longer do gifts. Have to say, I MUCH prefer Christmas without them 👍!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!!!5 -
South_coast said:This is why I no longer do gifts. Have to say, I MUCH prefer Christmas without them 👍!
The way I put it to the rest of my family was "Would you rather buy ten £20 presents for other people and get a load of stuff back that you don't really want or is it a better idea to buy ourselves one really good thing for £200 instead?". They all agreed very quickly to stop and it also meant that anyone who couldn't afford presents anyway could stop without losing face.7
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