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

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  • Suffolk_lass
    Suffolk_lass Posts: 10,292 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had a fun night out  yesterday after our final class - where I gave some advice to someone on their career  (creative)  and next forward steps - they had asked me a few weeks ago for my advice  (so it was not unsolicited) and sent me some  unasked for links, and reminded me tonight so I  had chance to give my opinion in the pub.... - gave them some new ideas, brainstormed, encouraged them to go for it... so many peoples careers got stopped/stymied during covid (inc mine) and getting started again seems hard  - we all need a gentle reminder at times how fabulous we are and how only we can 'start our engines'  - 

    Someone else said later that they could see how supportive I was in that moment, but when they first met me  in class they had assumed I was  very different, v (too) confident in class and maybe quite 'selfish'  - but it was clear now how much I stood up for others and was not what they had assumed initially.
    I wasnt offended - more amused,    confident women of any age still seem to rock some people especially coming from 'traditional' cultures as the person speaking did ( i hadnt judged them but it seems there was  initial unconscious bias on their part) .. i know who I am and how I support others whilst also having a great career. I just take my space calmly, I dont beg for it. nor yell but I do take my space, no more no less.
    Its the great thing about London with so many different cultures here - we all study, work, live in this amazing place and  human to human we all get to know each other as fellow humans, so these divisions these politicians use to get votes  (skin colour, origin, religion, gender, sexuality) are frustrating to watch as well as dangerous.

    However  in the middle ages I would have probably been burnt at some stake. ...  (*no past life regression for me!) 

    This is exactly the sort of comment I used to get. People at work found me intimidatingly direct, but IF they take the time to get to know you, they find a very different person - just as long as we are aware that some people will write you off on that first impression. It's their loss but can impact you too (going for jobs, contracts etc) so worthy of a little thought, even if it doesn't extend to pink and fluffy introductions
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I get the thing about being seen as intimidating until people get to know you. The transition between the two states seems to be getting faster as I’m getting older - maybe because I’m more confident now and therefore more relaxed (even within my focused and asking challenging questions presentation … 😉).

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,751 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    @edinburger ouch on the boiler cost ! I am finding it being so cold that I am living in one room in the flat apart from at bedtime (as I crowd the heaters in there ) so I am seeing that my flat feels  very untidy and cluttered as I am avoiding spending time in any cold rooms ! 

    Hopefully the fan will fix everything tomorrow! 
    Having said that I am this morning going to dress up in 20 layers and get to tidying as there is some sunshine  (may get skipping rope out and skip every 20 mins to increase blood flow ! The mess is now annoying me 

    on my London life I love it - the art the live culture theatre music comedy events .. the huge amount of interesting different people 
    it’s why I pay the price to live here 

    @savingholmes Some cash arrived more to ask for Monday though 

    off to the gym this afternoon and then seeing a friend - do want to do a EOM MB roundup as well as my YNAB 


    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
  • Intrigued by the “GF, DF protein flapjacky pancake thing”. I’m attempting GF but it’s so hard on the sweet treat front. 

    MFW diary: https://forums.moneysavingexpert.com/discussion/6254913/never-a-good-time-but-here-goes#latest

    Original MF date: October 2036 (£81,500)

    Outstanding Jan 2021: £55070

    Outstanding July 2025: £16597

    EF 10000 / Savings toward neutral: £2600


  • SandyShores
    SandyShores Posts: 1,969 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    dawnybabes said: .......

    I’m very sociable and seem to attract ‘people’, I’ve just had one who had decided that they where going to be my best friend (I have enough close friends thank you) and I just couldn’t shake this woman off.  Only resolved by finding another lonely lady and introducing them and stepping back. 

    I seem to get this too.  I like to be friendly but hate people encroaching on me.  Good thinking about finding another one and pairing them up.
    "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 

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