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

South_coast

Can you order the toothbrush for a click and collect? The offer might have ended before you get back. You can spend your points still (and also get cashback - although that might not work if you're not actually paying). They usually have extra points deals on as well, ie spend xx get xxx points. Just choose the latest collection date on offer, and you usually get 7 days from then

Watty1

You have me at the walk in wardrobe - the floor plan of the small place I want to create in my barn includes a walk in wardrobe, a walk in large shower and I'm compromising on bedroom space for those!

Just caught up and 80% omg  whilst I hope you win my heart goes out to those who are now homeless.  

dawnybabes

If I’m glutened I pop anti histamines for a couple of days too to calm the inflammation down. 

Isn’t the boiler covered under your rent as it’s a fixed item ? 

savingholmes

Enjoy your time out there. 

On the boiler - you could ask for FBk recs too... 

Queen_of_the_Hive

Happy Saturday @LadyWithAPlan

Nice to catch up with your diary, so sorry to read about your friend. Sending my thoughts to you.

I'm mightly impress of you supporting the other women in your building, i'm one of many who sending virtual support. The house opposite mine is a rental, its tenants recently moved out due to a steep rental increase. According to my neighbour the family are now sofa surfing as they just couldn't meet the high rental costs. This is in a area with low paid and seasonal work. I wish them well but feel so sad for their currnent predicament. Keep going, fight the good fight!

One bit of motivation which I noticed no one with a mortgage on here has mentioned yet but the "joy" of getting your first year mortgage statement! I know it doesn't sound that exciting but after renting for x number of years seeing the progres made on the mortgage in a year compared to how much rent would have cost is inspiring (well in my book in any case ). We just had ours through and in my head when I was renting it was complete 'dead money' so I just looked at the annual interest  paid on the mortgage as a form of 'rent'. Comparing the two there was no comparison. More than 10k saved! But like everything in life its no clean comparision but still. Small wins where we can take them!

Good luck with the annual goals!

LadyWithAPlan

@savingholmes @dawnybabes
I have asked FB for recommendations - and yes the rent should cover the boiler but the old agent not getting back to anyone inc those still with them  so I will pay and hold it back from rent if necessary 

@Queen_of_the_Hive so sorry re your neighbours- just awful especially if they have kids 
I can indeed imagine the excitement of the reducing mortgage statement - I have a feeling that once i get over the panic of owing someone so much money that the OPs will become the major focus and gamification in my life 

my rent is not such ‘dead money’ as i am making very good interest on my house deposit savings - as an investment in a business I also consult for . In fact before my last rent increase I was earning as much in interest each month as  my rent .. hence me delaying the purchase or at least not being too stressed . 
 - my current monthly rent  equals the interest I would be paying monthly on my potential mortgage but I am earning in interest now about that as well  - 

certainly with the stagnant london flat market I have not lost capital growth in the last two years and when I nearly bought in 2021 (was outbid at sealed bid stage on a flat that needed a lot of work about which I knew nothing) I would have only gone for a 2 yr fix so would have been hurting now 

However now the rents are starting to hurtle upwards again the maths equation is not as equal - 2025 was the year to buy and may still be - depends on the legal fight / if not 100% 2026 but let’s see how this year pans out 
plus I am ready for the stability of owning - I have lived in my current place for a fair number of years so ..

seventh88

So sorry to hear about the rent rises, that’s horrendous. Hope your trip abroad goes smoothly, it sounds like you’re really maximising your time well. 

Debsnewbudget

Just a warning to not withhold any rent as that can be the cause of an eviction notice.  

LadyWithAPlan

Watty1 said:

You have me at the walk in wardrobe - the floor plan of the small place I want to create in my barn includes a walk in wardrobe, a walk in large shower and I'm compromising on bedroom space for those!

Just caught up and 80% omg  whilst I hope you win my heart goes out to those who are now homeless.  

The great thing about the States is they think walk in wardrobes are just a standard feature ! 

I also now am adding a deep sink basin - onto my vision board wants - so much easier to keep
kitchen surfaces dry  and clean 

Debsnewbudget said:

Just a warning to not withhold any rent as that can be the cause of an eviction notice.  

Tx Debs, I  am not planning to - I have never been late on rent in nearly a decade with the old/existing company 
but I will be keeping track of the spend - the very famous london plumbing peeps can be out same day so I have given them a ‘let me know by 4pm’ as now 2 weeks without hot water 

We will win on the fight -  I know it in my heart and we have an amazing group standing together - many like me who are disgusted by the behaviour 

@South_coast I am just landing back today so will get on the toothbrush again 

@seventh88 Tx for popping by - the cold in london mind you is magnified since returning back from low 20s - I actually had lunch in a beach cafe Saturday! Bliss feeling the warmth of the sun on your skin 

savingholmes

Good luck with the different challenges...