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Future Proofing my life: Deposit saving then MFW journey in under 13 years
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Is a new battery not about £75? I was thinking about it myself…Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Our local phone shop recommends changing the battery at 80% - they charge about £50Sealed pot challenge 822
Jan - £176.66 :j3 -
Sounds like you need a new battery rather than a new phone. Fab news re the Vinted dress my two have finally been posted I really look forward to trying them on. Sounds like you really really need to get another contract and not rely on the unreliable payers.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#latest3 -
Hope the phone battery and case help.
Good luck with the invoices.
Enjoy your fabulous trip.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 29/7/253 -
beanielou said:I think you need a new phone.KajiKita said:TKMarx need a slap around the head with a wet fish!Stands alongside LWAP in solidarity and starts warming up the ‘Paddington Hard Stare’ for the ‘pay your flipping invoices’ conversation … 😉
Glad the dress fitted so well 😊
Are you sure you don’t just need a new phone ….? I tortured myself for months with trying to avoid buying a ‘new’ car when my old one was getting dreadfully unreliable … The relief when I finally ‘gave in’ and got a ‘new’ car was ridiculous - gave me about 15% of my headspace back, genuinely.KKI need extra headspace !Got a iPhone 12 Pro at present so thinking a 14 plus maybe ..
@dawnybabes @skint_spice
when I had a battery replaced last told it lasted only 2 more months …
My battery is now 76% and it’s manageable in the UK but it stresses me out when my battery is constantly low when abroad especially in a place I don’t know well or am travelling so need maps, passes and access to a phone
I tend to travel on my own a lot so
I will look at phones here as i am somewhere cheaper than UK &@skint_spice
@TallGirl good luck with the dresses - i find it easieer to buy vintage on brands i know how the sizes go where possibleDON'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#latest7 -
On invoices I have been promised some money. I have also said we need a conversation about the interest I’m going to charge. The question is how much and how far back dated as some of these invoices are severely overdue.
i will wake up early and get the up to date invoices all sent overI arrived today abroad/ 30° at 6 o’clock at night. I have not been to this city in many years and I had forgotten how fabulous the architecture is. I am being very frugal for the first few days and have rented a university accommodation type room so I have my own single room with a fridge and a sink, et cetera, but there are shared showers and a shared kitchen, this is just for the first few days and then moving on to a nice free apartment then maybe somewhere nicer at the end - I’m going to see on incoming monies And how the side hustle doesI had a walk around the neighbourhood and bought some roti chicken and lots of salad to start my healthy food - when it’s warm like always feel like eating much healthier
i am counting all costs for this trip including all travel accom food etc in one so I can properly analyse the cost v profit at the end
i am not planning to eat out daily
I had forgot what a gorgeous city I am in - architecture, very buzzy, great food etc - I am here for the side hustle but have some time in between to do other work and also have some funTK Maxx disaster - I went back to the original shop and basically just swapped the case for the same case in a different colour but I have already seen the handle was catching a bit. I just couldn’t be bothered to deal with it anymore - was too busy however, this is the very last case I bought from TK Maxx - my hold luggage (broken expandable zip) and my Carry on are from there and I just don’t have a lot of faith at the quality
they have only a three months faults return policy and they get to decide if it’s faulty or if it’s wear and tear ! It’s up to the store’s discretion!!!- so I would advise anyone not to buy quality good stuff which will be worn eg luggage - do not buy it from TK Maxx
the battery case needs to go back to Amazon as does the ordered carry on ….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 -
Frustrating on the luggage. Hope the rest of your week is better.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 29/7/255 -
I am great @savingholmes in a fabulous city with 30 degree heat … it all feeling like a great adventure
Premium bond win£100 - on £16k - That makes £175 this year so under average approx 2% this year - but I am taxed on my interest so
Only 3rd time I have ever won £100 (only had for 2 years) and have not won since March so happy
ESIM - just bought an esim card for about £15 for a month 20gb ... its the data I need as I run around.
My 02 provider charges me £6 per day overseas (out of Europe) .. and its midnight to midnight so yesterday got charged £6 for 8 hours... all i use it for was the data to ensure how to get to the accommodation.. I am here for 2 weeks so...
I used to have a great deal with vodaf*** worldwide coverage - but it over doubled in price...
The only reason I am with 02 is at least I dont pay in europe
I am out of contract - need to see what I can get offer wise.
THE NEW CASE - TK MAXX - handle keeps randomly sticking and wont always fold down ,,, - like when you are trying to get thru security ... and they say if you cant close it it cant go thru !
post office - spent an hour fillling in various overseas tax forms..
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#latest11 -
That’s frustrating with the case after all the hassle you had already!Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Boo to the case.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.4
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