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Future Proofing my life: Deposit saving then MFW journey in under 13 years
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Lots of planning going on here! You could always put the kettle away ready to use in your new home when you get it 😊4
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Fabulous update and I am delighted that the ‘widgetty-gadgetry side hustle’ phrase was so resonant. 😊
The sofa sounds stunning …. Quite jealous as I would love classic furniture like that but we just don’t have the time or the money to make it happen atm. 😊
Yaay for the trip - that sounds lovely and I am enjoying the idea of the bejewelled sandals being bought in honour of it 😊
Re the kettle …. I am *very* tempted to suggest that you retile just the section of the kitchen behind where the kettle would sit. It wouldn’t cost much (you could probably find suitable leftover project tiles on FBMP or fleabay), you get to practice another DIY skill and your gorgeous kettle would have its own special setting, like the jewel that it is …. 😉
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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.3 -
KajiKita said:Fabulous update and I am delighted that the ‘widgetty-gadgetry side hustle’ phrase was so resonant. 😊
The sofa sounds stunning …. Quite jealous as I would love classic furniture like that but we just don’t have the time or the money to make it happen atm. 😊
Yaay for the trip - that sounds lovely and I am enjoying the idea of the bejewelled sandals being bought in honour of it 😊
Re the kettle …. I am *very* tempted to suggest that you retile just the section of the kitchen behind where the kettle would sit. It wouldn’t cost much (you could probably find suitable leftover project tiles on FBMP or fleabay), you get to practice another DIY skill and your gorgeous kettle would have its own special setting, like the jewel that it is …. 😉
KK
I have another 1 metre long seat thing also to do after but its rectangular and no curved arms etc so should only take 1 metre of fabric...
At least when I finally buy I already have all the furniture - I try to buy seldomly but well - but I worry I will have a load of expensive looking furnoture and stuff (eg a SMEG kettle) and no actual home!
I have learnt how to floor tile but not wall tile yet so .. maybe your idea is a good one - I will look at ebay for some contrasting colours .. - though the lounge also needs a fresh coat of paint and I was thinking about making some mirrored mosiac tiles artwork (rather than tiling the wall then moving and leaving it behind)
Or maybe I could paint one section of the tiles ? I am sure you can and it could go on a bit where not a lot happens washing wise etc .. hmm I will google kitchen tile paintCheery_Daff said:Lots of planning going on here! You could always put the kettle away ready to use in your new home when you get it 😊
Yes indeed - maybe test it once - just in case - they have 2 year guarantees...
NSD day today! Though I can see a DD going out for web hosting stuff .. Thats 2/8 since last week
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#latest4 -
Re Marriage Under Construction: I feel confident that even if you are right that you knew less about DIY than they did, you have considerably more financial savvy!!!3
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I would not redecorate the kitchen to make use of the free kettle! If it were your own home you had bought then it might be different, but this is a rental you are planning on leaving and have already spent loads of your own money on updating. Is it worth emailing them to say you love the kettle but the colour just doesn't go with your kitchen and ask if there is any way of exchanging it?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!!!4 -
Fancy kettles are for life, rental kitchens are just for now. If you could see the nice kettle going with your eventual own kitchen then keep it.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 20252 -
@South_coast
you are right indeed on not spending excess on a rental - it’s just been paint expenses so far as I have used the free bathroom floor tiles and I do have some tiling for kitchen floor as well so only cost is time and paint ..
the kitchen does need a refresh anyway it’s on my 2023 list of to dos -
last did it 5.5 years ago so - however I was thinking another sky blue etc ..though the cream kettle would go with the new floor tiles I have hmmmm -
I asked at the beginning on the colour of the kettle - I may pop it up for sale and see what I can get for it and go from there £100 I am ok in selling but less isn’t worth it
I live in central london our water is hard - looking at my current red kettle it was a £60 in sale one (as I refused to buy a red Smeg ) and works fine but does look a bit dull what with water marks and I cook a lot
@Viking_mfw indeed - through my small scale Reno of my sofa has been an eye opener on how budgets move especially with taste levels and longevity. I thought a few hundred pound initially would be the cost then I had to replace everything and given I sit on it daily I realised even fabrics I like for £60 per meter would not be that long lasting - so budget on my sofa is £400 plus extra material cos of laying it as bias so I need probably extra £100 including those bronze stopper things and I need a new bottom as well
plus labour!At least the sofa will come with me when I move - which is why I am looking at creating some mosaic tile effect but on a msg board or some such so I can take it with me!Hopefully I can be here for 2-2.5 years if I don’t buy before
right off to gym after doing two email work things turn back to focus
I loved doing 2 nights a week of DIY last term but it did make me busy - doing just the odd Thursday to finish off this weird thing I started making over Easter is easierDON'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 -
With the kettle could you look and see if you can get a similarly new ‘secondhand’ one for the price you sell yours on eBay or similar? I.e. Bnib or new (other). Effectively a swap for the right colour then!
(eta: phone had obviously picked up on all the kale talk as it had gone with kale not kettle!)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 -
I would sell the cream one and buy one you actually want.
You make enough money and it sounds like it would make you smile.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
You are making a lot of sense - I will try to sell it. Its still boxed so
Nice idea ;) I will look
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#latest4
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