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Future Proofing my life: Deposit saving then MFW journey in under 13 years
Comments
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Enjoy lunch date. Uber man may have shown colours in which case the cab was a bargain - very little time wasted and tbh I'd happily pay £111 for a review of a prospective date (although VNM has been just that all along)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 !!5 -
Well done on getting the MIP sorted. At least you know then what you have to work with in your house hunt. Meanwhile you're earning decent interest.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £175.8K Equity 32.38%
2) £4.3K Net savings after CCs 13/5/25
3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K updated 16/54 -
South_coast said:Anyone else wishing the cab had cost £7 more, so we could call him 118 guy?
(As a side note, always wanted to go out dressed like this on a night out - probably missed my moment now, as most people out on a Fri/Sat night too young to remember it 🤣!)
genius!
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#latest6 -
He is officially sulkingPennysIntoPounds said:Good luck with MIP and lunch date!
If £111 man is sulking and is happy to show off with drinks but not be gentlemanly enough to pay you back for an act of kindness then he is not sounding like a contender
I have yet to tell you all he sent me a text the morning after the uber - all loved up about wanting to get to know me .... beautiful romantic language ... but the end of the text was this ..
(Your Name)
Basically he had copied and pasted it bar maybe one sentence he had made specific ..
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#latest9 -
Wow I am learning loads ... Hop-a -long is fun - cricket confuses me..Suffolk_lass said:Maybe you should call him Horatio as the number 111 in cricket is known as a Nelson (and 222 as a double Nelson, and so on). Famously David Shepherd, the test match umpire would raise and shake a leg at 111 so as to ward off ill fate (rumour being that more wickets fell on 111 after a batsman scored a century). So either Horatio or hop-along are my suggestions
I dont know if anyone else saw the fabulous exhibition at the Royal Naval College Greenwich of Lady Emma Hamilton a few years ago - who rose from extreme poverty and being used by men .. to becoming a spy, created an art form, became a muse, learned many languages and then helped Nelson politically - before then becoming the woman he loved to the day he died ...amd bearing his child Horatia
- more on her here with picsDON'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#latest6 -
Thanks.beanielou said:Enjoy your lunch date!
My lunch date was lovely, v interesting and lasted 6 hours before I went to see a friend (the date) . He is someone I have not seen since Covid/lockdown - but he kept in touch, It felt like a date, I wasn't sure what it was... and he already suggested meeting again ... far more sensible and intelligent ... and did not try buying me endless shots...
118 man is silent but thats ok ... He will live on forever in all our MFW hearts along with my text ex from last summer. I mean I have had no dates since last summer and I ended up on my first dates in 6 months with that clown.. I am starting to think I may have been Casanova in a previous life (!)
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#latest8 -
That copy-paste text is a real red flag to me. He is casting his net WIDE …..
What happened with the MiP?
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 31 books of target 52 in 2025, as @ 18th June
Produce tracker: £183 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.6 -
I didn't, but wish I had, wow what a story. I feel she could have made good use of MSE in her later years though.LadyWithAPlan said:
I dont know if anyone else saw the fabulous exhibition at the Royal Naval College Greenwich of Lady Emma Hamilton a few years ago - who rose from extreme poverty and being used by men .. to becoming a spy, created an art form, became a muse, learned many languages and then helped Nelson politically - before then becoming the woman he loved to the day he died ...amd bearing his child Horatia
- more on her here with pics
Boo to 118 copy-paste text man - you may have to kiss a lot of frogs, but hopefully your story won't be quite as full as Lady Hamilton's.Mortgage 30 Jun'25. est. £209,470 £309,749
Equity: over 40% (aiming for 40% LTV before remortgaging);
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga7 -
You have to kiss a lot of frogs before you find a prince LaPlan 🐸😘 But he's out there somewhere - don't settle for anything less. Certainly not 118 guy - he is not a keeper 😆
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais8 -
Agree with the others glad he has gone quiet he really has not shone himself in a great light. Lunch date sounded much more you.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#latest8
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