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

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Comments

  • badmemory
    badmemory Posts: 9,962 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 21 September at 5:19PM
    I've finally caught up!  I would normally just keep lurking but then I read about date No 1 with the hands.  What a jerk.  Mine is so big you will faint with desire.  I mean really.  Way back around 25 years ago I tried this dating thing although back then it was ads in the local paper.  The first name dropped his way through 2 drinks, like I am on first name terms with the Metro mayor (not our minor town mayor).  The other seemed to have no job & about to lose his home & thought it a good idea to find a working woman to keep & house him.  Never again!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,825 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Wowsers as everyone has said ditch the cornush stuff, I was nearly seduced into trying it. It's been all over my socials for weeks now. Will look for something else!

    Something on the Cornish seaweed conditioner  and serum made my hair super brittle and break off when I brush like I have never seen before ! 
    I was brush my hair at the hotel where there was light flooding in the big windows and a mirror and I could suddenly see hair breaking off at every brush stroke! 
     This is not hormonal as been on the hrt for a couple years now - so it has to be  specifically the seaweed stuff 

    I have messenged them for a  Refund but it’s outside the 60 day refund window so let’s see 

    I saw my DS this weekend and her hair has almost doubled in length since I saw her in May .. as in a 3- 4 inch growth - she has been on the Moerie hair  - I can’t believe how much her hair has grown .. so I tried her stuff there ( shampoo  conditioner one day and the mask another ) and my hair looked good ( air dry only) and thicker - plus no itchy scalp ( which I got with Champo) 
    so I have a 62% offer off Moerie so bought the set with the daily spray as well today £48 on subscription  - you have to refil at least once - - I would not have tried it having been so let down by the Cornish stuff  ads but I can clearly see my DS hair is longer than it has been in years - and I do need new shampoo 


    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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,825 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Happy Sunday LaPlan! 

    Have a lot of love for the mood board! Feeling I need to do something similar. 

    Well done on the healthy living :)
    The mood board with actual visuals is great - printed it in full colour on card 


    To those wondering re the cap - I popped in yesterday straight off train and it had sold that morning !! 
    I had no realises they all one offs - they have the same style but not in the fabric /colours I want so they are calling the warehouse .. 

    @badmemory I am not sure who would be so
    impressive I’d want to keep him in the style he was accustomed with no work,…

    Having sworn off dating for life there was a v cute man on the train ( we chatted briefly but that was it)  so I am thinking of trying again 
    so talking to a couple and organising video chats first 
    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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,825 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    I am now back in london - had a couple drinks with a friend  this eve at an event with live music but then chose not to go to another friends bday as he had originally started his party at 6pm but then he had to push back to starting at 10pm - & he is the other side of London so the £35-£40 uber home later put me off .. so I ended up getting the bus home from Soho :) £1.75 is a much better spend 

    i also have a load of work to do in the morning and I know his friends party hard which I don’t want to do in a Thursday eve ..,

    I have a busy weekend ahead as well so …

    apparently I am being paid a chunk from client A in the morning / I have refused to do any more work until he pays me - I know you all will be cheering when I get it 

    Dana K white 5 decluttering steps are continuing to keep me getting rid of stuff .. more to do but I am managing to release stuff to the CS & some lovely boxes I am keeping have been recycled 
    I also descaled my smeg kettle & expresso  machine as the latter was playing up 




    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: 3,484 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    We will def be cheering ! 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • KajiKita
    KajiKita Posts: 8,229 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Waiting with bated breath before cheering …
    (And how much will they owe you? Do no more work for them until the balance is cleared …??)

    Sensible decision on the birthday party - that sounds like more hassle than it would have been worth …

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,270 Interest saved £5,816 to date
    Fixed rate 3.85% ends October 2030

    Read 55 books of target 52 in 2025, as @ 30th September
    Produce tracker: £389 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,487 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gosh yes, definitely a good idea to go home! 

    All fingers and toes crossed for being paid this morning ...
  • Watty1
    Watty1 Posts: 7,124 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    (Awaits update, assumes morning means before midday?)
    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 !!
  • beanielou
    beanielou Posts: 96,410 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Awaiting the update. 
    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.
  • KajiKita
    KajiKita Posts: 8,229 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    And …??

    <looking forward to hearing how much LWAP’s house deposit has increased thanks to main customer payment today! 😊>

    KK 
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,270 Interest saved £5,816 to date
    Fixed rate 3.85% ends October 2030

    Read 55 books of target 52 in 2025, as @ 30th September
    Produce tracker: £389 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. 
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