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

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  • skint_spice
    skint_spice Posts: 13,406 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My earrings are a lovely green abalone and a wee bit dangly but nice and light, I am going for a look…
    Mortgage OP 2025 £6200/7000
    Mortgage 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)
  • TallGirl
    TallGirl Posts: 6,208 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Laughed at the oops ate the sweets. Same here with some Christmas Maltesers has to be rebought and are still at risks until we actually go next week. Enjoy your dinner parties and glad the meeting with the PPH agents are done when will you hear the outcome of the affordability? 
    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

  • redofromstart
    redofromstart Posts: 5,834 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 11 December 2024 at 4:42PM
    I tested the Shark one this summer, I loved the speed of it and convenience but didn’t notice the cooling eye pad thing as a bonus.  I’m back to my old one now with NIR 
    The cooling eye thing has performed minor miracles on my black bags! Although I am sure slices of cucumber would have helped - I just don't have the patience.
  • beanielou
    beanielou Posts: 95,551 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Found the earrings! So happy 🎉
    Fantastic news. 
    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.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 12 December 2024 at 12:36AM
    My earrings are a lovely green abalone and a wee bit dangly but nice and light, I am going for a look…
    I do understand, given we post money details why we dont post pics of things such as fabulous earrings, but I do feel I am missing out not seeing these!

    Are you in your mermaid era?   What were they worn with?
    Found the earrings! So happy 🎉
    ;))

    JEWELS OF THE DAY
    I went with  a pair of giant sparkly triple hoop diamante earrings and a Swarowski large ring where the crystal had broke in half and its actually cooler for it. I bought the same ring again and the stone fell out the second one.. so obviously badly made.  I bought the ring with some inheritance money from when my aunt died..
     Neither had been worn in at least 5 years. Did have a Xmas thing to go to.

    I tested the Shark one this summer, I loved the speed of it and convenience but didn’t notice the cooling eye pad thing as a bonus.  I’m back to my old one now with NIR 
    The cooling eye thing has performed minor miracles on my black bags! Although I am sure slices of cucumber would have helped - I just don't have the patience.
    Thats good to know - I have actually have some weird pointy shape icecube tray meets pointy witches hat thing for the freezer - you put in some herbal tea/mix and freeze it then it vanishes the  bags.. I also have no patience.

    TallGirl said:
    Laughed at the oops ate the sweets. Same here with some Christmas Maltesers has to be rebought and are still at risks until we actually go next week. Enjoy your dinner parties and glad the meeting with the PPH agents are done when will you hear the outcome of the affordability? 
    The only way things are safe from is if they have wheat in as I know not to go there. Dairy and sugar though,,,,,  are defenceless against the munchies ..
    Thats at least 4 sweet gifts I have plundered!

    I am waiting to hear re the new rent, then they look at the affordability against that.
    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
  • teapot2
    teapot2 Posts: 3,535 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I'm glad its not just me tempted by goodies bought for pressies.  I'm currently eyeing up some chocolate covered nuts which are part of a present so I might have to wrap those and post them off to avoid temptation.
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