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

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Comments

  • savingholmes
    savingholmes Posts: 29,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope date went well.

    Congratulations on having the difficult conversations. Great that you are starting habits too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • Suffolk_lass
    Suffolk_lass Posts: 10,406 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sainsbugs and Asbo are the cheapest for 1kg of Dri-pak soda crystals at the moment. Waitflower don't list it online any more (they used to be the cheapest. Rober diet are the most expensive and Morries &B& queue are in the middle
    Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
    OS Grocery Challenge in 2025 I am at £2226.88/£3000 or 74.23% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Suffolk_lass
    Suffolk_lass Posts: 10,406 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 8 February 2024 at 10:21AM
    Watty1 said:
    Loved the washing chat.  (I'm sure the date news will follow)

    I live a rural and grubby life and the VNM works on plant machinery so his work uniform often reeks of hydraulic oil or similar.   Has anyone tried this options under such circumstances?
    Yes. Spot treat any stains with washing up liquid but soak in a solution of cold water, twice as much vinegar as baking soda (not washing) and a couple of tablespoons of salt - soak for a minimum of two hours and don't wash them hot or it sets the stains and smells. You can also rub specific areas with a mild household solid bar vegetable soap (like the Green Fairy stuff they stopped making) before washing in the machine - marseilles soap is one option.

    Of course I still have some Fairy soap because I was stocked up for my lifetime!
    Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
    OS Grocery Challenge in 2025 I am at £2226.88/£3000 or 74.23% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Watty1 said:
    Loved the washing chat.  (I'm sure the date news will follow)

    I live a rural and grubby life and the VNM works on plant machinery so his work uniform often reeks of hydraulic oil or similar.   Has anyone tried this options under such circumstances?
    EX H was in the paras always coming home with filthy uniforms and it worked well after spot cleaning as S_L says.

    Looking forward to hearing about this date too....
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- £342.41/500
  • Mr Redo and I had completely different expectations and backgrounds, and a 10 year age gap, yet here we are 23 or so years on with two adult sons, no mortgage and a major walking plan for 24!

    paying that much for his taxi would kill it dead for me though, but I'm a miser.
  • skint_spice
    skint_spice Posts: 13,508 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like there are possibilities there dating wise - no rush though💗
    Mortgage OP 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • My eyes watered at a £177 bar tab!
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