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Future Proofing my life: Deposit saving then MFW journey in under 13 years
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I am glad the new tst is working better cannot have you allergic to cats that is no good. Glad the celebrations went well make cake making could be a new side hustle just remember to charge enough for the work and get paid LOL.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#latest2 -
Absolutly cant be alergis to cats! Good news on new tst.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.2 -
Watty1 said:I'm convinced (having read parts of the book online) that i need to lose 6 to 10 kg. Probably nearer the 6 than the 10 so lets call it 8. I've started being more intentional especially as i have noticed my mental health struggles if i do not eat lots of veggies.
the book does suggest gif those with a healthy bmi to do shorter periods on the 800kcal
@TallGirl @beanielou
yes this Androfeme tst is so much better for me. However I didnt fuss the cats just allowed them on the bottom of the bed etc. Briefly picked them up but then washed hands to avoid rubbing my eyes. At least no huge welts this time that lasted for weeks.. I cant afford a mad allergic reaction right now.
Felt like a long day today back in London and didnt sleep well yesterday or night before. So I was meant to go to an event (more free drinks) but decided I am too exhausted and want to tidy my home as been away since Friday and then start tomorrow afresh.
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#latest3 -
Oh my, room for one more?!I have been less caring about what am eating for the past year and I need to rein it in... a bit scared that my 'non caring' attitude is not good at all. The issue I have is OH has lost so much weight with his illness and have been trying hard to get him to eat its finding the balance between our needs. Upping protein seems to be the way to go for the both of us.Book added to virtual shopping list2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £107,542.12 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%
2). #7 Save 1p a day challenge 2025 £150/£780
3). £2109.85/£3000 in Investment ISA (34/50 investments)
4). Increase cash savings & saving pots
5). Keep debt to a minimum.
Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump4 -
Hi @Queen_of_the_Hive you are very welcome. Yes more protein and pulses (and greens) are the way forward. Plus less snacks - maybe some comforting filling tasty soups and your OH can have extra bread/cheese? We will have an army of svelte low visceral fat MFWers..
I am glad i have read the book (seeing the pics of the visceral fat sat around organs leaking into the body and stopping the cells function properly, has made me determined to get rid of my sudden fat increase) and also glad I am soon to need to wear lots of fitted summer gowns. I am definitely not buying a new wardrobe!
So whilst I was super tired Tuesday and ate junk in the evening /mid travel I was healthy clean eating yesterday and today. I know there is a lot of free alcohol ahead on this trip but I dont want the weight gain so also lots of walking and dancing.
My main push to drop will be in June but I am now on a 5 day focus, no alcohol (said no to free drinks Tuesday and Wed lunch and eve as well and got so much on I am not planning to drink til mid next week)
As the Prof says alcohol just turns straight to fat ...
Today I had 2 lots of my vegan shakes (25g protein per scoop and i have 1.5 scoops with organic spinach, frozen berries, chia and flaxseed plus I roast a FR chicken and had some with a huge green leaf salad inc spinach, mixed with canneloni beans, cucumber, apple cider vinegar , MCT oil, guac, fresh herbs, red pepper, a few cashew nuts.
2 Vinted purchases arrived - the one - new shoes and a matching bag for my trip next week - the silver diamante clip on the front of one shoe had fallen off 'in transit' apparently. I did think about getting it stuck back on but I am not sure of the right glue so posting it back tomorrow.
Reading some diaries today where people carefully adding to their OPs reminded me to keep on my focus as well
The Vnted dress I ordered is the same make as I have already 4 of the same dress, different colours and lengths. My fav designer. It is the same size (it stretches) as my first one but I can see it zipping past my chest an issue, (fine on the waist). So another reason to drop my extra covid/hrt lbs.
I used a newly clean whiteboard to write down what I needed to
-get done ahead of trip (its a work and jolly and also side hustle related)
- my big summer project - lots of different things needed for that
- other (life, invoices etc)
I was feeling a bit overwhelmed but having very specific tasks now makes me feel clearer.
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#latest6 -
I have also purchased THE BOOK! Hoping to scare myself into eating better…Mortgage OP 2025 £6200/7000Mortgage 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)4 -
skint_spice said:I have also purchased THE BOOK! Hoping to scare myself into eating better…
it has worked for me... I've scared myselfLost 3 kg in last 6 days. Been eating very well (chicken with a lot of salad and some protein shakes) and not eating after 7pm either.
Lovely to see the sun come out again, had a great walk to my EMS then straight for a pedicure after yesterday I have a shellac pedicure twice a year - for beach holidays and always ahead of this trip. I find shellac does not chip on the beach. I don't do my hands as I don't like the damage nail varnish/polish/shellac and heaven forbid false nails do to my natural nail beds. Love the look but having damaged nail beds on my hands after is not for me... I dont mind re my feet!
3 days into eating less re the diabetes diet and I am feeling better and leaner. 6 days later I feel great..
Current Visceral Fat level 6 (was lower at 5 last year but the hormones have really kicked in) - this is the level I am looking to get down.
I also notice I have 3kg more body fat than June last year (same machine readings)
I did my packing last night and tried on most my wardrobe for this time of year - they either fit but definitely a bit tighter than last year OR due to the weight gain I cant zip up to my chest - I can zip up past my waist and ribs but the tighter evening dresses are not having it that last two inches past the cleavage! . Left a couple at home and plan to walk/dance/eat loads greens my way into the others - or have, like the scene for Bridgerton Season 1 episode 1, 3 people zipping me into my dress .
I know 3 kgs came from the TST (still feeling great on the androfeme but still feel quite inflated) but I refuse to replace my fabulous wardrobe.
I notice my nails are growing nicely as well as a side effect of the androfeme, they used to be great but kept breaking over the last year or so but suddenly they all naturally grown again.
Flown to my special place in Europe today and heading to the local Lidl to stock up on salads, fish, eggs and proteins. Will go easy on the cheese and avoid the free alcohol unless its champagne or an exquisite glass of wine, definitely no cocktails far too many calories.
Happy sunshine all
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#latest4 -
On the abroad work jollies....You will be glad to know, that as the man in front had the last of the champagne yesterday I then opted for water instead. It was 3pm ... and i can far more easily say no to rose or prosecco, free champagne is harder.
Then at another event last night when the champagne ran out (of which I had 2 small glasses), a quick sip of the relatively awful prosecco that followed I decided life was too short so had a glass of the much nicer provence rose with some ice in and then stopped there.
Today the prosecco ran out as I was arriving at the bar so I had a small rose with ice and only managed 4 sips and then left the rest. I had some abroad calls to deal with for my summer side hustle and now am working late into the night. i have some early meetings to prep for and a long day followed by a really fun event tomorrow evening - champagne will be drunk.
So my drinking is very under control, even though its all free - I only wish I had as much willpower on the 'quick energy' fix of junk... dresses fitting better but still a bit tight. I did over 19k steps yesterday and 12k today but did not put my watch on til gone lunchtime.
I also got some great advice from someone who had done the similar side hustle before many times that I am doing this summer, its taken a few days to get to speak to them. I met them last year and asked for advice and he was very helpful, making me think of things I had not.
I already was not sure paid pr was the way to go especially at the rates the PR people I emailed started quoting at, so now I am 100% convinced I was right. On his advice I have taken out a couple ads in the industry paper, he is doing the same again this year himself, what he does and I do are very similar business model which can only support each other. The ads are not cheap but the maths and the fact I am unknown and this is to drive sales makes me feel this is a much better use of my 'marketing' cash. The PR was so expensive even in a relatively cheap currency to the pound that it could have taken a large chunk of my income.
I will have to do more FB ads and emails myself (unless I hire someone) but I have the time.
The sun is shining here as I know it is in the UK. I am happyDON'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#latest4 -
They had run out of champagne by 3.00pm??? Not sure whether that means they aren't getting enough in, or people are going wild early in the day 🤣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!!!4 -
Happy is good.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.3
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