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

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  • Cheery_Daff
    Cheery_Daff Posts: 17,144 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm really feeling an urge towards that too at the minute - I've even started asking myself when considering buying something if I think I'm likely to be wanting to get rid of it again in a year 😂
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Hope everyone is having a relaxing weekend.

    Good Friday I managed an Insanity workout before seeing some lovely friends for lunch including a very active and cute 16 month old baby - I really dont know how parents cope in that 16-36 month age group - especially if only one parent present. It took 3 of us to entertain one child..;)

    We had a decent GF pizza and some red wine.. I was tired the rest of the day as always when drinking even a little at lunchtime, and grabbed some sweets etc on way home.. 
    All weekend I am seeing friends each day and the issue is drinking when you see them all - even if as yesterday just 2 glasses it all adds up. I also eat junk after drinking so its a double whammy on the health/weight side. 

    Did my EMS workout today ahead of studio being closed for rest of Easter - its good as its a 5 mile round trIp that I chose to walk on a lovely fresh sunny day. Seeing some friends for a drink in an hour ...I  aim to stick to either only red wine (less sugar) or sparkling water as not getting the work I want to do given the amount of lovely friends I am catching up with. My  Easter idea of getting work done for my project is getting a bit sidelined on all my socialising ... so need to find a balance there. 
    Doing some quick MB now.

    I am also aware I am now 3 days in the new tst and I dont need to be eating excessively given the weight gain I put on on the last one... so  great news is I have trained 6 days of the last 7 (Wed was day off) and I continue to make that a priority. However as we all know you cant out train a bad diet..

    Popped to Morries on way back from gym and got more protein and fresh veg - no junk as if i buy it I eat it!


    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
  • V3cash
    V3cash Posts: 294 Forumite
    Eighth Anniversary 100 Posts Name Dropper Photogenic
    edited 20 April at 7:12AM
    Hope everyone is having a relaxing weekend.

    Good Friday I managed an Insanity workout before seeing some lovely friends for lunch including a very active and cute 16 month old baby - I really dont know how parents cope in that 16-36 month age group - especially if only one parent present. It took 3 of us to entertain one child..;)

    We had a decent GF pizza and some red wine.. I was tired the rest of the day as always when drinking even a little at lunchtime, and grabbed some sweets etc on way home.. 
    All weekend I am seeing friends each day and the issue is drinking when you see them all - even if as yesterday just 2 glasses it all adds up. I also eat junk after drinking so its a double whammy on the health/weight side. 

    Did my EMS workout today ahead of studio being closed for rest of Easter - its good as its a 5 mile round trIp that I chose to walk on a lovely fresh sunny day. Seeing some friends for a drink in an hour ...I  aim to stick to either only red wine (less sugar) or sparkling water as not getting the work I want to do given the amount of lovely friends I am catching up with. My  Easter idea of getting work done for my project is getting a bit sidelined on all my socialising ... so need to find a balance there. 
    Doing some quick MB now.

    I am also aware I am now 3 days in the new tst and I dont need to be eating excessively given the weight gain I put on on the last one... so  great news is I have trained 6 days of the last 7 (Wed was day off) and I continue to make that a priority. However as we all know you cant out train a bad diet..

    Popped to Morries on way back from gym and got more protein and fresh veg - no junk as if i buy it I eat it!


    Well done on the work outs! Very motivated and no you can’t train a bad diet but it must help reduce effects.
    i try and plan what i eat ahead of time and i do like salad luckily so usually go for that, dressing on side.
    however healthy options not always available so it’s tricky 
    as for the baby, they do need constant entertainment at that age and are exhausting, that’s why I only did it once 🤣🤣🤣


    Barclaycard £5800 (0%) ends April 26.
    2025-26 MFW Target #68 £13,500
    £378.07 left OP 10% allowance left
    Mortgage  free Aim July 2027.
    July 25 £57,000, £56950
    August 25 £56,400

    house improvement/emergency budget/holiday fund needs topping up.

  • Suffolk_lass
    Suffolk_lass Posts: 10,290 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have you considered having a 0% G&T instead of alcohol when you see your friends. We do that now, and there are some really good "refreshing isotonic beverages" (alcohol free beers in Bavaria can't be called beer because of the strict rules) around now, although rather more calorific than spirits
    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
  • dawnybabes
    dawnybabes Posts: 3,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I drink the zero g and t, I had one last week that was rhubarb and ginger with ginger beer and slices of stem ginger in - was lush 😄😄. Came in a proper gin glass so you don’t feel left out 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,375 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I'm interested in these colour palettes. I'd love to get mine done. For now though I've put my pic into an AI chat to see what it came up with and it's suggested one which actually fits well and it's all the colours I would usually buy that people compliment me on...so maybe it's right... would still like to get it done properly.
    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
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