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

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  • South_coast
    South_coast Posts: 5,876 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    MaPlan, surely???
    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!!!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I thought it was MWAP = Man with a Plan

    Well done on the £80.

    Hugely impressed with you decluttering 750 items in a short time.

    Pleased you've had some income. 

    Have a fab holiday.
    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
  • Watty1
    Watty1 Posts: 6,815 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    In awe of 750 items!
    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 !!
  • beanielou said:
    I read a blog where he travels with only one outfit. 🤷
    Perhaps if I was a more standard size I would like clothes more. But I go into changing rooms with 10 items and one will fit. 
    I would have multiple kettles though 😂 And a teasmaid.

    Have you looked at Pospy clothing? All sizes.  All styles.
    Ooh a free alteration service! Will bookmark for when I have clothes money again. Thanks!
  • beanielou
    beanielou Posts: 95,574 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    beanielou said:
    I read a blog where he travels with only one outfit. 🤷
    Perhaps if I was a more standard size I would like clothes more. But I go into changing rooms with 10 items and one will fit. 
    I would have multiple kettles though 😂 And a teasmaid.

    Have you looked at Pospy clothing? All sizes.  All styles.
    Ooh a free alteration service! Will bookmark for when I have clothes money again. Thanks!
    The beauty of a British company. 
    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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