We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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

1178179181183184304

Comments

  • savingholmes
    savingholmes Posts: 29,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Time to move then, plenty of other Lidls in London 😀:

    https://www.lidl.co.uk/c/store-finder/s10023098
    Not much else is working, I figured it was worth a try 🤣!
    hehe )) you make a valid point 
    Made me laugh.

    Good luck with the invoices and finding new prompt paying clients.

    Enjoy the new pub. Nice to have one local that looks good.

    How's the sewing class going?
    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
  • Watty1
    Watty1 Posts: 7,127 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Congratulations on the win.  The MWAP sounds a great fit to your life and I agree I wouldn't  mention the ex because it was fairly obvious from your description just why he is an ex!
    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
  • 351.9K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.1K Spending & Discounts
  • 244.9K Work, Benefits & Business
  • 600.4K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K 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.