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Future Proofing my life: Deposit saving then MFW journey in under 13 years
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Sorry to hear about the robbery how awful. Totally not your fault and glad they got caught your watch basically saved others from the fright. I would definitely try to claim on the insurance very expensive are iPhones. Take careSave £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#latest5 -
Blimey, that is scary.
Glad that you are ok.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.6 -
God! What a horrible thing to happen! You poor thing. I'm glad you're alright. Some people are just so rubbish!!
x2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£3106 -
That sounds awful - glad you are safe. Great that the police were able to use your watch to catch them.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway5 -
My watch showed them where it was as in which building but it was a huge building so they did not find my phone - it got wrapped up in foil and turned off. So thief has profited unfortunatelyDON'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#latest5 -
Sorry to hear that LadywithaPlan, my DH is always telling me to stop walking around with my phone out in front of me and I'm always pooh-poohing him. I've got my credit cards in the same holder - so that would be a double whammy. I'll take note in future and be a bit more careful, what a shock. Hope you managed to get everything changed over okay. Mine takes less than a minute to go to lock screen so I hope they didn't manage to get into anything.
Carpentry sounds exhausting, but a great skill to have. We did metalwork and woodwork at school - we only made a small wooden boat in woodwork and I remember all the joints and cutting as being quite detailed (didn't pursue it). I always admire carpentry - I guess its what finishes off the building whereas plumbing tends to be a bit more messy as its hidden (but equally important)."Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga6 -
Sorry to hear that. I hope you're feeling ok and your eye is ok. Can buy a new phone but your body parts are not so recoverable!5
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((((((Lady))))))
That’s absolutely horrible! 😢 I’d read that you’d had your phone stolen, but I hadn’t realised that you’d been jumped like that. Really !!!!!! off for you.Your home / contents insurance wouldn’t cover you for the stolen phone would it?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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 39 books of target 52 in 2025, as @ 27th July
Produce tracker: £227 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.5 -
Sorry about the robbery - that is shocking. Glad they didn't get into your bank accounts though.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 6/7/255 -
Oh @LadyWithAPlan, I am so sorry to hear about the robbery! So pathetic what the country has turned into. Too many people turning to thieving as a way to live. Other than the expense of replacing it, it is just so traumatic to go through the experience. Sorry about the injuries too, thank God the eye was not injured! Lots of love, hugs and kisses from this end xInitial 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. 🤓7
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