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

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely to read Watty. 

    You sound very skilled LWAP. Good luck with all the juggling. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • I watched the new Bridget jones with DD and i thought it was great to see her actually looking her age in it. - on the hormone talk I'm waiting for a blood test to see where I'm at...I eat so well for around 90% of the time and yet I have hardly any energy these days. I've made it through meno with no hrt but I am at the point of wanting to give in now and get something just to help my energy.

    Glad you enjoyed that book...enjoyed probably the wrong word there....got some useful things out of it probably better way to describe it. I've stuck tabs on that book on nearly every chapter and had read it twice through now getting something new each time. I can be go go go like you and not know how to stop and it is exhausting as you get older. I need my 30 year old energy back 🤣.

    Ps I am very sorry to hear about your friend passing. What an awful way to go 😔❤️
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I am much the same LWAP, I have friends that I have known since I was a teenager and even my newer friends are probably a couple of decades old. I sometimes contemplate moving further north but I would miss them.
    Yes  you would and once cant really replace that. Friends are such an important part of life and having people who know you and see what we go thru - the ups and the downs..
    I am now supporting a friend going thru a bad divorce and we have really seen each other go thru everything (birth, death, relationship breakdowns...family and money dramas). plus we have danced and celebrated too. We always know we will drop everything and help.

    When I lost a friend 2 years ago as she dropped me cos her boyfriend kept hitting on me  which i ignored then he grabbed me in public against my will .... and somehow he twisted it that it was my fault (you have to admire the PHD level of gaslighting given his hands were on me in an v uninvited place ) so she is 'angry' at me  >:)  .. I am over it now but thats 25 years of partying, life, laughter, conversations. adventures, great vacations, drama you also lose. Of course she didnt just lose me but a large friendship group as everyone knows me and my morals  - Sad thing is she  herself  is losing her supportive group  becos of him and that can be very dangerous.

    This is so sad and so wrong!
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