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

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  • KajiKita
    KajiKita Posts: 7,685 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 15.07.25:
    - 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. 
  • TallGirl
    TallGirl Posts: 6,216 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: 7,685 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 15.07.25:
    - 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. 
  • skint_spice
    skint_spice Posts: 13,410 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 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”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: 13,410 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 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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