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

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love swimming when it's warm like that too. Glad you had a nice holiday even if you're not sure MWAP is going to be a long term more serious thing.
    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
  • SandyShores
    SandyShores Posts: 1,967 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks for the tip re. U: Stream.  Downloaded and have queued up Swedish Death Cleaning ready for the weekend :)
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    I do enjoy clothes design and history. It’s just the wearing of clothes I havent gotten the hang of lol. 
    I’ve been inspired to pack a nafnaf jacket I found in the attic 😜
    This looks great ! And well done for moving stuff - the swedish death cleaning show is watchable for free on u.co.uk - it is transforming me 

    MaPlan, surely???
    Ha! However more like NoPlan 

    Watty1 said:
    In awe of 750 items!
    It’s more now - have stopped counting 
    I should start counting again really - so many small bits 
    CS bag now has books, an old evening handbag some speakers I don’t use or have correct lead for, costume jewellery I don’t wear 

    @beanielou great shop suggestion tx 

    I am loving seeing just how much toiletry stuff I have clearly as it is stopping me buying more ! I was running out of my fav creams and replacing it and not using the serums /face creams I have been gifted etc 

    I sorted it so have all my bathroom /toiletries out in open container  - divided in 2 sections - hair and body -I get given samples and buy when I travel so if it’s hidden away it just accumulates and I replace without thinking
    I have excess face creams and serums  in another box (make up in other room on dressing area) plus what I am using now in the bathroom cabinet 
    it’s all useable so I am not buying anything til I have used what’s there - even the samples I took some away with me to start getting through them. 
    There is some not worn makeup (gifts) or those eyeshadow pallets where you used the favourite colours in - again they are out and unless I throw them away I am not buying more 
    I have been going back in to my makeup drawer and decluttering more each week 
    I need to cull the brushes as well 
    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
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