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Future Proofing my life: Deposit saving then MFW journey in under 13 years
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Good luck with the side hustle. Wishing you to get all sold out. 🌺Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓2 -
Sistergold said:Good luck with the side hustle. Wishing you to get all sold out. 🌺
Thanks, not quite so far but its moving forward and seeing next pit stop sales doing better than I expected.KajiKita said:Sounds like the side hustles are going well 😊
Well done for standing your ground with client A! 👏😊
KK
It has at least freed me up with time to focus elsewhere.. have been having meeting whilst abroad of a big offfshoot project - early days but looking hopeful.
Tx @debtfreewannabe321 @savingholmes @watty1 hope you (and all reading this are well)
new phone finally
I finally found enough of a push with this travelling and side hustle promo to upgrade my phone - bought cash here (well on cc but will pay it off in full next month) I did save about £150 from UK prices but am in need for the social media, great cameras to take pics for side hustle, it is also very tax deductible ... and I have spent last year carrying battery packs around to enhance the battery on my old phone (bought secondhand online 3.5 years ago) so actually I am very excited. The editing and much bigger screen as well edges me into almost a tablet (which I dont have anymore) First new phone in 8 years - rest have been all bought secondhand... I also went large and bought a 1TB - planning to film loads, do SM with it etc.
Currently its uploading from old phone - even when I was in the shop I checked I wasnt rushing into an unnecessary purchase but thinking about this upgrade since last year,. Cant wait to try out the new tech as my last phone is 4 models and 4 years older.
I did look at the 0 finance deals before I went away but they would have pushed me into a new deal - I am on sim only inc Europe roaming free- I have bought an esim card for this trip so not using UK data.
I am also going to a fabulous tourist spot this weekend and want amazing pics and video to help me push parts of the side hustle.
Today it both rained super hard and then went super hot - so much my (old) phone overheated in 20 mins..
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 -
Happy new phone.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 -
Great on the phone. I'm thinking mine needs upgrading. I also carry two battery packs if I leave the house for a day and mine overheated yesterday whilst using google maps and then started to open random apps. I wanted to know where I was rather than my current power usage with Scottish Power. It was quite funny once I worked out how to get where I was going.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 !!3 -
Happy new phone day! enjoy and you have been going on about it for quite some time so well overdue. As its tax deductible well its almost free isnt it?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#latest3 -
I got a new phone last year after my battery would be charged fully in the morning and dead by 3pm - it drove me mad as I missed a few important calls. I love mine and it was worth it (not a big brand though, I'm not brand loyal i bought a 1 plus which was well priced with a discount
) Enjoy playing with it! 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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Yes mine was there - been dying after a few hours..debtfreewannabe321 said:I got a new phone last year after my battery would be charged fully in the morning and dead by 3pm - it drove me mad as I missed a few important calls. I love mine and it was worth it (not a big brand though, I'm not brand loyal i bought a 1 plus which was well priced with a discount ) Enjoy playing with it!
I now have a new weird stand for it (even goes around my neck and can be used (twisted in a diff position) as a base for a table..
That sounds fun ! (not!!) \ It was lovely today not having to take a battery pack with me..Watty1 said:Great on the phone. I'm thinking mine needs upgrading. I also carry two battery packs if I leave the house for a day and mine overheated yesterday whilst using google maps and then started to open random apps. I wanted to know where I was rather than my current power usage with Scottish Power. It was quite funny once I worked out how to get where I was going.
I now have 33 hrs of battery life and 1 tb on it..
@TallGirl yes almost free as I can trade also my old one in as well when i get back - will send to music magpie - they saying £185 - which is better than the trade in value here ..
@beanielou its lovely when you have waited for over a year for a new phone. ! My sales here are better than i thought and the screen is much bigger Iphone 16 pro max ... so i can make better easier sm posts
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 -
New phone sounds well worth it. Enjoy your time away.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/252 -
The jump in battery life when you get a new phone is one of the best feelings you can get!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
Merlin's_Beard said:The jump in battery life when you get a new phone is one of the best feelings you can get!
thats official! plus the 1tb!
Still loving my new phone and not having to constantly worry re spare batteries and charging cables. Plus the xtra space on it and better cameras - I am really appreciating it ! I have spent 18 months thinking about it - so worth the wait.
I also saw one of the worlds nature wonders of the world and it photo'd like a dream 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
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