📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

Options
1265266268270271295

Comments

  • Watty1
    Watty1 Posts: 6,838 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Love the beret and the revolutions happening here :smile:
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You will really feel the benefits of this.  Great human revolution. ❤️
    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.
  • dawnybabes
    dawnybabes Posts: 3,351 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I deliberately didn’t buy flowers yesterday hoping to get so e yellow stickered ones today and couldn’t find any 🤣🤣🤣
    Sealed pot challenge 822

    Jan - £176.66 :j
  • dawnybabes
    dawnybabes Posts: 3,351 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Had the NHS one prescribed- but has anyone tried either the male or the female Testosterone? 
    Rather not pay extra if I don’t have to   however just opened the one I have been described and it has 'FOR ADULT MALE USE ONLY"  ALL OVER IT!!!
    Perhaps they are trying to tell you something 🤣🤣🤣
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Suffolk_lass
    Suffolk_lass Posts: 10,297 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had the NHS one prescribed- but has anyone tried either the male or the female Testosterone? 
    Rather not pay extra if I don’t have to   however just opened the one I have been described and it has 'FOR ADULT MALE USE ONLY"  ALL OVER IT!!!
    Perhaps they are trying to tell you something 🤣🤣🤣
    Much as I admire  and support the LGBTQI community  and have absolute respect for people living their own lives, truths and loving those they want,   me being a drag king is not on my 2025 bingo card.. ;)
    It could be a lucrative side hustle - you do say you love dancing... 🤣🤣🤣
    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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,751 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Had the NHS one prescribed- but has anyone tried either the male or the female Testosterone? 
    Rather not pay extra if I don’t have to   however just opened the one I have been described and it has 'FOR ADULT MALE USE ONLY"  ALL OVER IT!!!
    Perhaps they are trying to tell you something 🤣🤣🤣
    Much as I admire  and support the LGBTQI community  and have absolute respect for people living their own lives, truths and loving those they want,   me being a drag king is not on my 2025 bingo card.. ;)
    It could be a lucrative side hustle - you do say you love dancing... 🤣🤣🤣
    Too true but i am far more likely to lean towards a Karen from Finance look (think large hair and huge jewels) - I also do love an excessive and high pair of heels

    @Watty1 tx for sharing that super interesting
    I have found a local specialist HRT doctor within my GP service, but it does take a while to get to speak to them. When I went in September, because I was feeling so exhausted, that’s when they could see how I had really low levels so I am better due to me taking Lenzetto and also extra progesterone alongside having a Mirena coil 
    However, I am just testing out the male testosterone - the one in the little sachet  it’s just a bit freaky taking something with huge warnings on and implications for adult male only all over it…
    However I am taking it largely for energy and focus and it can help with mood too - so will report back - my skin doesn’t absorb gel stuff well - that was issue with the Ostrogel I was taking 
    had friends go in TsT and say they felt fantastic and my current levels are low so let’s see 


    Spending 
    this is largely on food and some junk food .. bought the dinner out Friday alongside a voucher 
    I Do have some new monthly software  costs that have slid in with these classes 
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.