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

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Comments

  • skint_spice
    skint_spice Posts: 13,747 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Is a new battery not about £75? I was thinking about it myself…
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
    Boiler fund £2085/3000

  • dawnybabes
    dawnybabes Posts: 3,638 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Our local phone shop recommends changing the battery at 80% - they charge about £50
    Sealed pot challenge 822

    Jan - £176.66 :j
  • TallGirl
    TallGirl Posts: 6,528 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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. 
    Moved to Denmark for FIRE by Aug 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

  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • skint_spice
    skint_spice Posts: 13,747 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s frustrating with the case after all the hassle you had already!
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
    Boiler fund £2085/3000

  • beanielou
    beanielou Posts: 99,695 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
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