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

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Comments

  • KajiKita
    KajiKita Posts: 10,113 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Whoop! ยฃ105K!!! ๐ŸŽŠ๐ŸŽ‰๐Ÿ’ช๐Ÿ˜

    Re the O2 shambles, do they have a complaints process you could lean on or even โ€˜outโ€™ them about it on social media? Itโ€™s nearly a week since this fiasco started - I think youโ€™ve been very patient!ย 

    KK
    As at 17.04.26:
    - When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ216,847
    - OPs to mortgage = ยฃ18,925 Estd. interest saved = ยฃ9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 32 books of target 52 in 2026 as @ 17th May.ย 
    Produce tracker: ยฃ119 of ยฃ400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions.ย 
    Watch your actions, they become your reality.ย 
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the ยฃ105K deposit. Phenomenal.

    On the o2 saga - what a shame. Hope you get it sorted soon.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
    2) ยฃ2.1K Net savings after CCs 14/5/26 (but owed ยฃ1.3K) so ยฃ3.4K
    3) Mortgage neutral by 06/30 (AVC ยฃ41.6K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.4K) = 47.6K of ยฃ127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
    4) FI Age 60 income target min ยฃ17.1/30K 57% (may need more) If bigger lump sum ยฃ15.8/30K 52.67%
    5) SIPP ยฃ5.6K updated 16/5/26
  • newgirly
    newgirly Posts: 9,550 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Wow well done on the house savings!ย 
    MFW 67 - Finally mortgage free! ๐Ÿ’™๐Ÿ˜
  • Well done on the ยฃ105K deposit. Phenomenal.

    On the o2 saga - what a shame. Hope you get it sorted soon.

    02 saga continues -I have now receivedย  no incoming calls or texts for 14 days now! and they keep escalating it and then the next dept says they have to escalate it . PEOPLE DONT MOVE TO 02 WITH AN EXISTING PAC CODE! They cant cope with any issues

    Its the pac code issue as all was fine before - the mobile, vodafone number worked fine for last 5 + years.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just donโ€™t buy things. 99% of our success with our savings rateย isย attributed to the fact that weย donโ€™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.ย  ย ย Money doesnโ€™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
  • KajiKita said:
    Whoop! ยฃ105K!!! ๐ŸŽŠ๐ŸŽ‰๐Ÿ’ช๐Ÿ˜

    Re the O2 shambles, do they have a complaints process you could lean on or even โ€˜outโ€™ them about it on social media? Itโ€™s nearly a week since this fiasco started - I think youโ€™ve been very patient!ย 

    KK
    I have tried everything - on twitter, 3 hrs a day on calls, asked to be called back by managers who are just trained to say sorry but we have to wait 5 days for the process.ย 
    Last Monday (so a week of no calls or texts)ย  the one customer service guy said 'sorry but it seems even though you have been calling everyday no one has actually escalated this' so he did and I was told 5 working days max to be contacted by the CRT escalation team (and it cant be hurried or fast tracked they have to follow theiir process)
    Friday the CRT escalation teamย  called to say (drumroll) that they cant help so they will escalate it to the engineers that can also take to to 5 working days..
    This morning I got a call asking the issue and that she will 'escalate' it - yes the very thing that I have been trying to escalate since 14 days ago...

    I may make a youtube video ... dont move to 02 - I found the deal on mse - anyone know who I can complain to here?


    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just donโ€™t buy things. 99% of our success with our savings rateย isย attributed to the fact that weย donโ€™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.ย  ย ย Money doesnโ€™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
  • On ebay sales news - I had one requested return where she was saying there was damage - there was not ... but I accepted and there was clearly no damage at all. Of course it cost me the postage there and back

    On another item he said there was a faulty bit (which it wasn't I am pretty sure when I posted it, it jhad been in a box for 3 months) - luckily though as it is under 1 year warrantyย  still I have called Amazon - who I explained the apparent issue and they giving me a full refund.ย  Result ;)
    So I am waiting for it to get posted back and then post to amazonย  then Amazon will give me a full refund. I have spent ยฃ25 on tracked insured postage back and forth but I will get most my money back

    Thanks for all the ยฃ105k congrats - it is a huge amount of money. I will say Feb has been a wildly expensive going out month -ย  a friends bday weekendย  so ยฃ70 plus out Sat night, an art show and coffee and food ยฃ30 sun, Thursday was ยฃ40... I am going back to no alcohol for a few weeks.

    I am treating myself with a course for a week, like a reminder thing for one of my businesses. It looks fun and joyous and at ยฃ360 for a 5 day course is reasonable. Its in London as well so not too expensive - just travel
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just donโ€™t buy things. 99% of our success with our savings rateย isย attributed to the fact that weย donโ€™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.ย  ย ย Money doesnโ€™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
  • If you're now at the "official complaint" stage with O2, check how long you have to sit on that beforeย  you can escalate it to the ombudsman. Because if theyย  haven't sorted it by now I'm not sure they will without external pressure,
    Start mortgage date: August 2022; Start mortgage amount: ยฃ240,999; Original mortgage free date: August 2056
    Current mortgage amount: ยฃ224,460.73
    Start student loan 2012: ยฃ29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • savergrant
    savergrant Posts: 2,045 Forumite
    1,000 Posts Third Anniversary Name Dropper
    "

    02 saga continues -I have now receivedย  no incoming calls or texts for 14 days now! and they keep escalating it and then the next dept says they have to escalate it .ย PEOPLE DONT MOVE TO 02 WITH AN EXISTING PAC CODE! They cant cope with any issues

    Its the pac code issue as all was fine before - the mobile, vodafone number worked fine for last 5 + years."

    I scrolled back a few pages but couldn't find anything to clarify what you mean by "an existing pac code". Also do you mean neither your old nor new sim can receive calls or texts on both the number you want to keep or the number o2 issued? When/how did you request the pac?
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