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

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  • TallGirl
    TallGirl Posts: 6,208 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    LWAP the way you describe your trip it sounds divine sunshine and warmth is just the best when it is horrible at home. Just stepping out of that plane and it hits you is a buzz. Enjoy your trip hope the side hustle goes well.  
    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#latest

  • Sistergold
    Sistergold Posts: 2,135 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh the sun, lucky you? I could do with a dose of vit D. 
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • themadvix said:
    The boots sound good - I have no luck with boots at all, I walk out of them or my (not fat) calves can't get in them. It sounds like you and your brown boots were a match made in heaven though.

    You might find this Zoe podcast about Vit D interesting - I know I did.

    Yes boots are a major shop - but as they normally last for many years worth the effort. How annoying for you though.
    My new black boots are smart, functional, elegant - look a bit like riding boots and with a flat heel (sadly) easy to drag luggage in whilst looking smart ;)

    Will check out the VIT D podcast - my dentist was v firm about me taking it for weeks before surgery,

    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
  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I take 10000 a day plus cofactors, boron, k2, ZMA, fish oil, plus some other stuff, I rattle.  I’ve been told the marine collegen tablet is no good and I need to be taking powder - any tips ? 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Sistergold
    Sistergold Posts: 2,135 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 26 October 2024 at 7:26AM
    Ladies 10000 IU (ten thousand international units)? For daily dosing 800 to 1000 IU (one thousand) is normally the recommended dose? Vit D is fat soluble so it will be stored unlike vit C for instance which is water soluble. With water soluble even if you take more than you need you get rid of excess, with fat soluble you store the excess and thus can result in toxicity. 
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • themadvix
    themadvix Posts: 8,738 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    @Sistergold that’s pretty much what the podcast talks about. And definitely don’t be taking it with calcium. Tim Spector is of the opinion that healthy people who get outside regularly shouldn’t need supplements, even in the UK (which I appreciate is contrary to NHS advice).
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • I take 10000 a day plus cofactors, boron, k2, ZMA, fish oil, plus some other stuff, I rattle.  I’ve been told the marine collegen tablet is no good and I need to be taking powder - any tips ? 
    I am allergic to Marine Collagen so I avoid it. As in my face swelled up so much when I was taking a supplement and a cream with a high dose it, I could not see properly!!
    I take chorella daily as well (inflammation and feel great on it - we have colitis in the  close family but I have avoided  it), turmeric and boswellia plus the vit d

    @Sistergold - appreciate the feedback and good to add that on this, a public forum. (i am suspecting you are in the medical field anyway eg a consultant)
    My private dentist said that we get 25,000 ius vit D on a sunny day in the Med so 10,000 ius daily is well within normal parameters and what he recommends to everyone in the UK, especially pre op. I feel great on it and have my parents on it and they went through covid etc fine so it seems fine for me.
    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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