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

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Comments

  • South_coast
    South_coast Posts: 5,731 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    What's the British ISA? Didn't hear anything about changes to ISAs on the budget summary I watched on the news 
    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!!!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,652 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Can you tell me which LED face mask you are using...I saw your comments on it and am intrigued, I haven't used one of these before but do love a new beauty product to try. Are they worth the money and have you seen improvements, or do you still have a wrinkle free face unlike me and it has just given you a nice glow :lol: - I wouldn't knock the nice glow even if it doesn't get rid of my wrinkles!
    This is a LED face mask standalone post only so those reading can skip this if preferred
     I bought a LED face mask last Sept so been using 6 months now 
    - I LOVE it
    - I use it 3-5 times a week
    - I just put it on and  carry on with my morning - chant, clean up, make coffee, put on in bed so v easy to have on - I also bought a led face wand thing ... and never use it as me standing there for 5 mins waggling it on my face is not happening 

    Results
    - my skin looks like elves or Barbie fairy princesses gently rub my skin with rose petals each night - NOTE  I always had great skin but now over 50 - and my skin is glowing, pores are smaller, I look almost ageless 
    - My one singular sun spot on my face is now 20% of its original size and much much lighter - I expect it to disappear completely in another 6 months - I have had this sun spot for 6 years and it never disappeared in winter - 
    - the collagen improvement  at a deeper level takes a while to be seen at the surface - my permanent lines on my forehead are much less deep - maybe 50% over the 6 months  (i dont do botox or fillers and I move my forehead a lot) 
    - the lines around my eyes have completely gone except when I smile you can see them - but no grooves or wrinkles - all gone
    - my face does seem tighter, jawline better
    - when I wake up my skin glows and looks incredible - I have never needed less foundation - I literally look in the mirror first thing and go wow..
    - people compliment me on my incredible skin (as said It was lovely before) but now its moist, glows, looks perfect and I have had friends literally just stare at my skin and go where can i buy one..
    - I am now starting to use it on my hands for the sunspot on one side.

    MSE? Yes
    I use it on naked skin then add serum on after - using no7 fut*re renew serum and creams - the serums sink in better after using so you get a better value 
    I use retinol at night 

    2 kinds of led - lots of colours all do different things but older skin will use mainly red and NIR if on mask
    A review article by Dr. Hamblin states that red wavelengths (600-700nm) penetrates up to 1mm and NIR (780-980nm) penetrates to 2mm 

    There are ones  without NIR (near infra red) and ones with...
    The ones with NIR are often more flexible and not hard masks.
    I have a NIR one - I use it with the red setting   so red + nir
    My friend however uses a £15 one (from t*mu) - no NIR  and his 50+ skin also glows unbelievably

    I bought mine from T*mu - it was £90 with NIR  - te*u only have a 3 month guaranteed - 6 months on mine is fine though I do have to charge it every other time ..
    If you want a non t*mu the Current Body is good but £300..+

    Couple links 
    with NIR   - there are none on the site at present on t*mu but they are normally about £80-£90 - you will need to look and see if there is a 830mm depth (nir) BUt you could always try a normal without NIR one first 
    without NIR HERE   or here   £10-£20 
    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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,652 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    What's the British ISA? Didn't hear anything about changes to ISAs on the budget summary I watched on the news 
    They are waiting til they have more planning  but  on top of the £20k isa limit  they are adding an extra £5k for british isa to get us all invested in UK companies..
    guardian comment here 
    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
  • South_coast
    South_coast Posts: 5,731 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    - my skin looks like elves or Barbie fairy princesses gently rub my skin with rose petals each night 
    Well I'm sold 🤣!
    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!!!
  • South_coast
    South_coast Posts: 5,731 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    They are waiting til they have more planning  but  on top of the £20k isa limit  they are adding an extra £5k for british isa to get us all invested in UK companies..
    guardian comment here 
    Aaahh, thank you 👍
    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!!!
  • That EA s very naughty
    I had been told they HAD to pass on any offers to the vendors- its part of their rules.
    Might be worth asking which arbitration scheme they are registered with as you might want to complain.
    Or if the vendor is still living in the property put a note through their door explaining you are willing to offer but EA is apparently not willing to pass on the offer.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,652 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    That EA s very naughty
    I had been told they HAD to pass on any offers to the vendors- its part of their rules.
    Might be worth asking which arbitration scheme they are registered with as you might want to complain.
    Or if the vendor is still living in the property put a note through their door explaining you are willing to offer but EA is apparently not willing to pass on the offer.

    He gave me some rubbish about me being unclear re the JKN - I know he was in the wrong -  i think they are hoping for some magical offer from elsewhere - i asked and there is 'some sort of chain' -  i am a FTB so a great buyer..
    He also lied about them not having ok'd me being a good buyer process /approval 
    so 2 lies today ..
    plus he said the JKNW is eradicated - I told him that was not correct as it can lay dormant for 20yrd
    So 3 lies today .. is this some sort of EA HAT TRICK?
    My broker feels a bit of an East End dealer but he is being great at advising me ...
    I will hang back on complaining til we see

    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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,652 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    - my skin looks like elves or Barbie fairy princesses gently rub my skin with rose petals each night 
    Well I'm sold 🤣!
    There is literally no other way to describe it ! I am not being over poetic! 
    I wake up and my skin is luminous - it also helps with inflammation - blue light good for 5 mins on days with puffy eyes (it has a eye guard) 
    I don’t have acne but blue light is anti bacterial so people getting spots find they dry up and disappear quicker 
    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: 6,385 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    When I start buying again the LED face mask is on the list :)

    What a useless EA - how frustrating - but if he had any other serious contenders I doubt he would come back to you so he just needs the motivation to pass on the offer.

    Fingers crossed it all works out today (I'm an optimist) 
    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 !!
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