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

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Comments

  • LadyWithAPlan
    LadyWithAPlan Posts: 3,796 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    KajiKita said:
    beanielou said:
    A big haribo shop just opened in Scotland. 
    Seriously??! OMG … just watch LWAP fly up there on the power of thought alone … 😉

    KK
    You both know me so well! A giant Haribo shop! ‘Sweet Dreams are made of these ‘ Eurythmics (a Scottish band) comes to mind 

    I have friends in Glasgow who I was planning to visit soon - lovely city - now made lovelier ..

    I’m also coeliac and struggle with lactose - if I’m going to eat cheese / chocolate I pop a lactase tablet and I’m normally ok. 
    Is there a brand you recommend ? I may try it 

    Autumn definitely a time for all the pressure cookers/slow cookers to come out! Clearly date's hand to hand contact did NOT work on you though  :D
    There is something so comforting about PC - I have a SC function on my 6 in 1 pc - so I actually got rid of my actual SC - I rarely use it - why best recipe suggestions ? 

    Date 2025 2.0 - longest coffee of my life - he started banging on about his ex wife .. far too many intimate details & attributed the cause of her leaving him by her being the then only married (as opposed to rest being divorced) joining a ‘st*tching & B*tch*ing club - where the women did some knitting (?!?) -  I don’t jest - and it was then a sudden shock when she wanted a divorce  - when I delved further he  said he didn’t like arguing so when she yelled he just walked away - I politely suggested they found ways to communicate better - 
    he then when we parted suggested he could be the food critic to some of my home cooked food next time !! 
    Dear Lord .. 

    2 dates in and I may be giving up already - I 
    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
  • South_coast
    South_coast Posts: 5,953 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I believe "Stitch and b*tch" used to be known as "Knit and natter" - though I think I prefer the more modern take 🤣!
    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!!!
  • TallGirl
    TallGirl Posts: 6,262 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Love the date stories oh dear I am glad I've never had to date just found the one lol. 

    I love Haribo too especially the black stuff you get in Europe. 
    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#latest

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,520 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Your date stories reminding me why I need to work on myself before I can withstand the Horrors again 
    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 2025
  • beanielou
    beanielou Posts: 96,137 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    People wonder why I am on my own  :lol:  :lol:
    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.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,796 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    edited 15 September at 10:14PM
    beanielou said:
    People wonder why I am on my own  :lol:  :lol:
    Me too!!! argh 

    I believe "Stitch and b*tch" used to be known as "Knit and natter" - though I think I prefer the more modern take 🤣!
    i had never heard of such a thing - probably my complete lack of domestication beyond my cookery skills

    Watty1 said:
    Date 2 put me in mind of a very dear friend.  First date:  she consumed wine which she blamed for her final comment of the evening before walking off to get the taxi.   Date complained in a similar style to yours but it turned out ex wife had attempted to drive her car into him leaving him with a limp,  Friend fuelled by the wine said "if it that were me, trust me, I'd have made a better job of it", suggested he get counselling not dating and left.

    Do have a date 3 ... your readers want enjoy the tales :)
    !!!!  I love your friend - I should have been more direct - of course I heard from him today - never ever gonna see him again though..
    Date 1.0 (large hands) also been in touch 

    Potential Date 2025 3.0 (only doing this for Watty) I am planning a video chat before meeting anyone ever again

    Your date stories reminding me why I need to work on myself before I can withstand the Horrors again 
    Yes it requires next level inner strength - not dated in a year and worked hard all summer ... honestly I have more fun out with my friends...

    TallGirl said:
    Love the date stories oh dear I am glad I've never had to date just found the one lol. 

    I love Haribo too especially the black stuff you get in Europe. 
    U mean liquorice? Lots of it is   not GF ... apart from that Swedish brand Lakrids something 

    London is cold super windy and damp .. got the heated throw on ..
    Slept for 10 hours last night - still recovering I think ...


    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
  • dawnybabes
    dawnybabes Posts: 3,454 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    These are the ones I’ve been using.  Not doing my diet much good though as suddenly can eat cheese and chocolate! I have the lactose free milk (Lidl and Aldi both do it) so I can’t have my drinks without taking a tablet. I’ve a little pill holder attached to my house keys so always have them on me. 


    Sealed pot challenge 822

    Jan - £176.66 :j
  • Cheery_Daff
    Cheery_Daff Posts: 17,396 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Goodness me. This is all making me very glad I never did 'dating' as such, certainly not online dating. Met my first boyfriend through a university society, second through voluntary work, third lived nearby and knew people I knew, and then was the present Mr Cheery, who I met through a friend at a social occasion. Fortunately I got all of that out of the way in my early 20s. I'm not sure I would have managed the delights/horrors of online dating, and might have just committed to being single forever.

    Oddly enough, Mr Cheery himself had just started internet dating when we met (20 years ago) He went on one date, which generated a story to rival one of yours :lol: and then we got together, so that was the end of it. He never actually took his profile off the dating site though, and several years later he was matched with someone we both knew, and who was absolutely NOT his type at all :lol::lol: Lots of amusement all round (I made sure he cancelled his subscription at that point though!!)
  • skint_spice
    skint_spice Posts: 13,479 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your dating tales make me chuckle, I have been toying with the idea of dating again but maybe not…

    on the other hand I could be in silverburn in less than an hour with all the lovely haribo!
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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