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

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  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I had my colours done years ago too and it made me bolder at wearing colours. Soft colours but also bright coral colours as well. Like everyone else I was told not to wear black, but I do as it contrasts with my hair and skin colour. I need lipstick with it though 😊

    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. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    KajiKita said:
    I had my colours done years ago too and it made me bolder at wearing colours. Soft colours but also bright coral colours as well. Like everyone else I was told not to wear black, but I do as it contrasts with my hair and skin colour. I need lipstick with it though 😊

    KK
    Great that it inspired you to try new things .. 

    I like a red lipstick  with black - but only wear at funerals so 
    ..
    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.

    Never thought re using AI ! Very clever - maybe it’s something you can save up for like a YNAB wish farm 

    had a great side hustle this eve and saw a friend before 
    managed to say no to alcohol when meeting him and at pub after with friends - fresh lime and soda ! 
    Good and motivating news is I have some glam
    events coming up and I need my clothes to fit me well 

    I was reading in the guardian re the dr who discovered and wrote a book on how to recover from diabetes stage 2 -what really struck a chord  notably is how he says the weight we are at 21 - everything else more is basically fat and bad for our organs .. 
    I currently am the 3kg more than earlier this year pre the first TST experiment and about a stone or 16lbs  heavier than I was at 21 …not terrible but the reminder that that is all fat and largely from being more sedentary now and hormones and excess eating for decades … hence me saying no to snacks and free wine and shots in the pub (someone was leaving )
    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
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Weight at 21??! Yikes, I was a stick insect then! 😳
    I think I must be 2 to 3 stones heavier now … Eeep …

    Well done on all the resistance 😊 I’m doing a bit better this week …

    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. 
  • Watty1
    Watty1 Posts: 6,805 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Weight at 21 ....omg!!  Substantially heavier now!
    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 !!
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,366 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Omg 😳 I am two stone heavier than I was at 21! Yikes ...
    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
  • skint_spice
    skint_spice Posts: 13,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I too am about a stone heavier but still pretty low BMI, I am trying to get back to that weight, trying and trying…
    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)
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 23 April at 10:06AM
    Apologies to those I have freaked out about ideally we all being  the weight we were    at 21... @Watty1 @KajiKita @debtfreewannabe321 @skint_spice and others ... 
    Certainly a motivator ! 

    Very interesting that we all have a fat set point beyond which we are at risk of diabetes (read below), I certainly know whenever  I hit 10 stone (as I am now since the TST in February when I suddenly added 3 kg ) I feel physically uncomfortable and huge - guess its the extra fat  I can feel  - i dont need to weigh myself as I can feel it on me.. - diabetes type 2 is in my family  and a cousin died of complications of diabetes 2 years ago at 54 so its very important  I don't let the menopause add weight on me which it has done  so far - whilst also  strength training to keep my bones strong. I was under 9 stone at 21 - 8, 3/4s ... so
    Not sure I want to do his remedy of the 800 kcals a day for 2 weeks  x 3 but I am swapping one meal  a day to a protein shake and watching my crisp/sweet issue   initially and definitely eating more greens.. and drinking less if at all

    He has a book  of the way to treat it as well where 100% proceeds go to the Diabetes charity

    One article https://www.theguardian.com/society/2021/sep/27/people-who-cant-fit-into-jeans-they-wore-aged-21-risk-developing-diabetes

    'People risk developing type 2 diabetes if they can no longer fit into the jeans they were wearing when they were 21, according to one of the world’s leading experts on the disease.

    And if people discovered they could no longer fit into the same-sized trousers then they were “carrying too much fat”, Prof Roy Taylor, from Newcastle University, said.'


    this is the other  article https://www.theguardian.com/society/2021/may/15/how-to-cure-type-2-diabetes-without-medication

    ' “It’s a personal thing. It’s nothing to do with the sort of information that’s often provided about obesity, which is about average BMI and what the population is doing. The bottom line is, a person will develop type 2 diabetes when they’ve become too heavy for their own body. It doesn’t matter if their BMI is within the ‘normal’ range. They’ve crossed their personal threshold and become unhealthy.”'

    'What we do know already is that our bodies start to have trouble controlling blood sugar when fat can no longer be stored safely under the skin and it spills over into the liver and then the pancreas. If these organs get clogged with fat, they stop functioning properly and that is when you develop type 2 diabetes.
    Everyone has their own level of tolerance for fat in their bodies

    It is particularly important to note that if you have a family history of type 2 diabetes, you are more susceptible genetically. People in these circumstances need to be “very careful” about weight, especially in adult life, Taylor says. “If you’ve increased weight quite a lot above what you were at the age of 21, you’re in the danger zone – and you should get out of it. If you’ve got a family tendency for diabetes, then you really want to avoid weight gain in adult life.”

    As Taylor explains in his book, if you have increased your BMI by three units or more since you were in your early 20s, you are at risk. It doesn’t matter how slim you look to other people. “People imagine that if everybody says they’re slim, they won’t get type 2 diabetes, but in fact that’s not true. Our present research involves people who are not obese, and indeed, have a normal BMI.”'



    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,366 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I would have to take into account two pregnancies after 21. The one before 21- I walked out the hospital in a baggy size 8 (grr at my younger self for thinking herself fat). The last two pregnancies changed my shape entirely and my hips 'came in' I never had any before that :lol: so I will cut myself a bit of slack (and I have very heavy large cumbersome bosom now too). However I would still love to lose a stone. :grin: 
    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
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I will never ever see the weight I was at 21 again. About 3 stone over that. 
    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.
  • South_coast
    South_coast Posts: 5,868 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    (and I have very heavy large cumbersome bosom now too). However I would still love to lose a stone. :grin: 
    I'd be grateful for the large bosom - sadly not blessed in that department 🤣!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
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