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

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  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are a good advocate for the mask. Definitely got me thinking. I need to apply moisturiser full stop - never mind fancy gizmos. I remember sporadically.

    Definitely chase those invoices.

    I'm decluttering again - slightly by proxy. My cleaner binned 2 bags of stuff from the garage today as I let her make the call on what could go. She's left me 2 boxes of books to look through and decide if they should stay or go.
    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 6/7/25
  • dawnybabes
    dawnybabes Posts: 3,338 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I loved the hello fresh boxes, the meals for 4 fed 3 here (but DS has hollow legs) I used to serve one and freeze one 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Watty1
    Watty1 Posts: 6,727 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I'm now wanting the LED mask :)
    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 !!
  • Karmacat said:
    I went a-googling after the infra-red mask thing - I'm feeling converted :) don't have the bandwidth to follow through just yet, but I'm going to go for it.  Thank you LWAP!
    I will dm you a couple links 

    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
  • TallGirl said:
    Sounds good I’m glad you’re back on track. I tried Hello Fresh and I was impressed with the portion sizes so was my friends who tried it too. Enjoy 
    Good to know! Will report on Sunday - got some tasty dishes.. I do need to shop today as my fridge and freezer looks sad!

    NSD yesterday Wed woohoo!  1/16 goal 
    Minimalism 4/4 good - 5/5 today goal
    Gym 0/5 as wont make today either.

    Off to college this lunchtime til late so I will be spending and will grab some coffee etc there as long day and trying to catch up with some work first this morning.
    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
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thanks LWAP, I've left open the tab of the one I mean to buy :) people won't know me :)
    2023: the year I get to buy a car
  • KajiKita
    KajiKita Posts: 7,516 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I’ve lost track … what is the college course you are doing atm? (I am trying to remember why your taste would come into it. 🤔) Good that you got the compliments 😊

    KK
    As 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 37 books of target 52 in 2025, as @ 23rd July
    Produce tracker: £223 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. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,743 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 6 October 2023 at 1:00PM
    KajiKita said:
    I’ve lost track … what is the college course you are doing atm? (I am trying to remember why your taste would come into it. 🤔) Good that you got the compliments 😊

    KK
    I am doing 3 courses ! ;) Music production stuff  so compliments related to that and also a photoshop course as designing some art stuff
    It would have been 4 courses but the garment construction course was full but on list for January by which time the PSD shop will be finished. I am away though for work travel in 2 weeks though so will miss some stuff but  good to learn and remind myself I have a lot of experience and training in certain areas...

    Not to suggest I am obsessed at all  with this led mask but this morning was another
    'Mirror Mirror on the wall, who has the fairest skin of all'

     I think tiny elves (or Barbie fairy princesses)  spent their night gently polishing my skin with rose petals and sprinkling it with oils from Mount Olympus - its unbelievable -

    I  used it in bed last night before sleeping and once it finished I then added my serum/night cream which was ready on the night stand  and slept ..
    I am not using v expensive serums or creams - I like The Ordinary and also the no7 Future Renew  -
    I am looking forward to seeing how my friends skin now changes as I ordered her a £90 one - same as mine with NIR- to see if she gets the same results. I am now in my 50s but always had very clear skin but I am now seeing a freshness and glow return so thank you elves/Barbie fairies

    ITS FRIDAY!

     l have done a quick bit of work early now off to gym as I wont go later and then to grab some food from the next door Mr L* - just to tide me over before the hello Fres* arrives Sunday. Eating lots of greens at present - aiming for a large half plate of  kale/spinach/broccoli at least once daily alongside my main dish
    So greens, a chicken to roast, eggs, lemons etc
    Plus I need some store ingredients - brown rice, more pulses

    So it will not be a NSD

    Lots of last day of week catch up work ..

    Hse Savings 
    OCT £520.51/£1132.26       SIPP  £275 
    Just added £250 to PB for house savings so  £520.51 so far this month - could do more but like a better float.
    Added £275 for my SIPP as well

    These markets are not happy - my one Van SIPP keeps dipping below £40k - I got it nicely over the £40k but its dipping below again  - £275 just added takes it back to £40,195 - ah well I must remind myself its cheap AND tax advantages ;)

    Frogs
    My hotel for work trip - I booked it, couldn't pay now as it said it was pay at hotel., got sent a pay request which I completed and now they have cancelled... I have rebooked but if it fails again I will use another hotel or booking agent - it was AG*DA - looks like an issue 2nd time around .. I book flights and hotels every month not sure why this place is so difficult.

    Client A get caught up on queries and where we at
    Client B check in
    Do some practise work
    PAYE

    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
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Garment construction sounds very interesting - I watch the Sewing Bee in awe of things like corsets and bras :) 
    2023: the year I get to buy a car
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