We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!

Future Proofing my life: Deposit saving then MFW journey in under 13 years

Options
1136137139141142293

Comments

  • Watty1
    Watty1 Posts: 6,735 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    TallGirl said:
    I really like the idea of a wishlist it is all too easy just to get something without thinking but if you do you might often find you do not need it. Good luck with the comping hope you get your tickets. 
    I think this is really true. It is why I committed to the "no spend" this year although in my case it is seriously reduced spend because I will still spend but putting things on my wish list lets me work out if I really want them or if there is something I have that will do the job, or, maybe they will turn up in the charity shop (I'm allowing charity shop spends as my reasoning is I'm adding to their turnover and not buying new means I'm not using world resources and I only buy if it is on my list or my usual CS buys like candles).
    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 !!
  • We often use dried coconut milk when we only need a small amount.
    This is a good idea - I will get some
    Thanks
    Watty1 said:
    TallGirl said:
    I really like the idea of a wishlist it is all too easy just to get something without thinking but if you do you might often find you do not need it. Good luck with the comping hope you get your tickets. 
    I think this is really true. It is why I committed to the "no spend" this year although in my case it is seriously reduced spend because I will still spend but putting things on my wish list lets me work out if I really want them or if there is something I have that will do the job, or, maybe they will turn up in the charity shop (I'm allowing charity shop spends as my reasoning is I'm adding to their turnover and not buying new means I'm not using world resources and I only buy if it is on my list or my usual CS buys like candles).
    No spend with a twist! I am with you Watty, though I can buy too much CS clothing so I am not doing that this year unless its exceptional

    I keep my wish list on the big river store. It allows you to add items without finding them on the website. So I have things like
    A voucher for a pedicure, ring Sarah on ******
    salad leaves seeds
    you can then share the wish list with others f you want.
    My birthday is 7th Jan so anything I think of from now until next December goes on my list and also comes off if I have bought it. 

    Happy belated birthday!
    The Big River  obviously makes sense for you  and as you say good for gift ideas -  but dangerous for some I can imagine as too easy to press BUY NOW ... and with CC details attached its too easy to buy. I like a bit of friction between wanting  stuff and buying. The stores deliberately try to minimise the pain of us buying things online -  its how they make us spend more and have world class tech and marketing people working at that friction-less part to get us to consume more.

    I have free 6 month Prime as Student at present... then from next month its half price but still think I will cancel as too easy to think I will get this its free p+p ...- all those subscribe and save things that fly through also can add up - again its the lack of friction .. I want lots of friction ;)
    (sounds slightly wrong I know!)

    I am planning to delete /cancel all subscriptions on the food/vitamin etc front.
    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#latest
  • Watty1
    Watty1 Posts: 6,735 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You can just delete your card details from them you know 😘! I only ever spend on there with vouchers I earn from surveys, so never have my card details saved - feels like I am winning against the mighty behemoth!
    I've done that and it is so helpful.  I also think about which card I am going to use so make more than one conscious decision.  This has ended up with moving a lot of things to my buy later list and only a headtorch for WattyDog remains in the basket which I am thinking over (I use them round his neck on dark night walks and the last one is broken)
    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 !!
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.