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Future Proofing my life: Deposit saving then MFW journey in under 13 years
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I’m so very, very pleased to read that you are standing your ground with Big Client. It reads like you are come to the end of your patience with them …. Well done.
Super news that you have covered all your costs and all work going forward now will be profit. Do you have a rough idea of how much you are hoping to earn from the remaining events on this trip?
I’m beyond impressed that you even remembered to renew your contents insurance when so busy and so removed from home etc. 😂😉😊👏
Hope it all continues to go well 😊 Is there some downtime for you, in the midst of the maelstrom of the exciting work and networking and events you are describing?KKAs 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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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.0 -
I note my first journal entry was 11 August 2021
So I will do a 4 year update then Monday with figures ...
Note to self : No home yet bought4 years in and still here in my cheaper flat. Good news is programme has finally started moving forward as live workshops, I will be building the website etc on my return.
Once the invoices get cleared then I still may not be house hunting I think til next summer - I will have more clarity at the end August.
I will need to get a new contract though first.. I still have the vision of not having to be a monkey and jump through a banks hoops and pay cash instead but given pension investments etc are so much better, and I want a small outer London pad with outdoor space ... I have may settle for a larger deposit (currently 23-25% of the flat I want to get) so as to jump through less hoops.
However briefly - i will update on Monday
House savings 11/08/21 Savings £67,744.85 now approx £115k plus a lot of open invoices from this current work and old invoices... Given what I am owed and life its ok.
SIPP 11/08/21 £26,731.30 now Aug 8th approx £72,633 so tripled that - got 53.99% growth according to Van*uard fogures but who knows how they are calculating that..
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#latest2 -
On the VA I posted on a Facebook group asking for recommendations but somehow got added to a professional whats app chat as well. That helped me get clear what I needed which was familiarity with a course platform and the ability to create the course within that and do all the admin. I also wanted someone to keep on top of my mailing lists and run my bookings program and sort that out
I spoke to a lot of keen people within my field who wanted the work as a sideline but as I interviewed I realised I wanted someone who could “just do” not someone who would learn to do.The person I found had already had experience and now I can just ping her an email with a technical challenge and know she will sort it in a fraction of the time it takes me.Being clear what I wanted her to do was so key because I knew what I needed. Yes I could have figured all this stuff myself but honestly having someone who knows is so time efficient If recommend her if that is the skill set you needMade 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 !!2 -
So agree Watty sometimes it’s worth learning s new skill but sometimes if self employed it pays to pay for expertise and just get things done.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#latest1
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