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

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  • TallGirl
    TallGirl Posts: 6,212 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Watty1 said:
    I have never actually been to iceland - have just googled the cauli rice.  Wow what a find
    Iceland is amazing so worth it for certain things and really good prices. I thought it was all drab frozen food but some real gems and very handy if you like Greggs and other bands I really cannot taste the difference. 

    Good luck with the complaint sounds good someone higher up is taking an interest. 
    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#latest

  • Personally I would not put off looking for a flat for a few months.
    I am in the process of selling a house, just me and the buyer in the chain, so as I accepted the offer in November, I honestly thought it would all be through in January.
    at the moment its looking like the end of April…..  absolutely ridiculous queries from solicitors, who are then too busy to look at replies for 3 weeks ! 
    Once the offer is accepted it can take ages before you complete. 
    Very pleased about your new man x
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,748 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Personally I would not put off looking for a flat for a few months.
    I am in the process of selling a house, just me and the buyer in the chain, so as I accepted the offer in November, I honestly thought it would all be through in January.
    at the moment its looking like the end of April…..  absolutely ridiculous queries from solicitors, who are then too busy to look at replies for 3 weeks ! 
    Once the offer is accepted it can take ages before you complete. 
    Very pleased about your new man x
    Tx for this sage advice..
    I am not looking forward to non efficient solicitors.... I am v efficient, accurate and fast at work and in response in what I do.. so I expect  the same... Guess thats why I get paid well and I continue to work with the same people/companies  for decades 

    New Man is very lovely - luckily he has his kids this long weekend so I can get some work done! 

    Welcome back @LadyWithAPlan, unfortunately although most of us have been hurt we are still romantics! 🫣😍 so glad after the text breakup and the non-refund guy this one sounds great! There are a few good guys and we just need to be patient I guess! 🌺
    Text Breakup and non refund ;) both within the last 9 months  plus new chap ... it sounds like I am the LaPlan of dating! I really am not... honest! Plus mad dates give good stories
    Sorry you have been hurt and disappointed in Love - I certainly have but we plow onwards ;) Plus I love being single - so the turning of my life slowly round to consider actual becoming a long term partner (which is where MWAP is clearly stating he is seeing us as..) is scary but I am taking it slowly..

    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the trip went well. 

    Lovely win for the £150.

    Good luck with knocking all your mini goals / tasks out of the park.

    I too would not suspend flat hunting. I put mine on the market end June. Offer received around end August. I found somewhere about end Sept. That fell through early Dec. Moved end of Jan. I got my solicitors through £supermkt and was concerned but think I got a good deal really. They were over £1K cheaper than my local solicitors.
    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 29/7/25
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on win. Boo to EA. 
    I have gone from being a romantic to absolutely as cynical as they come. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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