We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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

1275276278280281304

Comments

  • KajiKita
    KajiKita Posts: 8,246 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on the calm conversation with the director. I can’t help thinking that if he really appreciated your maths you would be closer to the top of the suppliers and service providers he paid first - I rather get the impression that you are quite low on his priorities for payment ….

    Glad the side hustle prep was so much fun 😊 and everything else is ticking along 😊

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 56 books of target 52 in 2025, as @ 4th October 
    Produce tracker: £393 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. 
  • TallGirl
    TallGirl Posts: 6,283 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done on the decluttering and the chasing of the invoice hopefully they will pay that money soon and good on you for staying firm. You cannot give in to people like that and if he needs you he will have to pay his debt.

    Sidehussle sounds like it is making great progress would you ever make it your main business? Say you had your own home and you could cut your income down? 


    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

  • KajiKita
    KajiKita Posts: 8,246 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    What’s the difference between female and male testosterone? I just thought it was all the same hormone …? (I’ve been meaning to ask for ages! 😊) 

    Hugs for the triggering response around your dad. I very get that …

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 56 books of target 52 in 2025, as @ 4th October 
    Produce tracker: £393 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. 
  • skint_spice
    skint_spice Posts: 13,508 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Easter plans sound lovely. Well done on realising how your father’s behaviour was affecting you and taking action, it’s not always easy to follow through.
    Mortgage OP 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,508 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Someone asked me yesterday if they should keep a couple of tops they bought as they “would do”, I told them to take them back while they could if they didn’t love them! This is my philosophy going forward so I like the would you buy it again question.
    Mortgage OP 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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
  • 351.9K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.1K Spending & Discounts
  • 244.9K Work, Benefits & Business
  • 600.4K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K 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.