My 5 year plan

jwil

That's a great result, well done :T

fatrab

Howdy!


Not posted for a while, basically because I haven't had much to post! Was coasting along waiting for payday to arrive and now that it's here - nothing has changed!!


DD for TV licence still hasn't been taken. Re-mortgage still isn't complete.


Talking of the re-mortgage, I've had to change a few things. Because of the way my current bank works and the length of time it takes for payments to be applied, I will need to wait until the DD taken on the 1st Oct has been applied to the mortgage account. This means that my re-mortgage can't be processed until 10 days after the payment is received apparently, so the process can't be completed until mid month. Bummer.


Also, I've decided to spread the term of my mortgage over 10 years instead of 7. Although this means I'll be paying more interest in the long term, I'll have lower monthly payments. I still fully intend on overpaying the maximum each month and clearing the balance at the end of the 5 years though.


It was a heavy September weekend (bank holiday up here in Glasgow), ate and drank way more than expected but was back on plan with food yesterday. Not looking forward to Saturday's weigh in but determined to be 14st by Xmas. Just need to try harder next week!


Will post again as things progress

Egon76

fatrab wrote: »

10 weeks ago I set myself a target to lose 10 pounds in 10 weeks, well today is the end of the 10 weeks and I'm delighted to say that I've lost 16 pounds!!!


I've always struggled to control my weight but this time I'm determined to do it. I've got 2 stone to lose before I'm down to the weight I want to be. And I'm going to do it by Xmas.


Next challenge - 28lbs in 14 weeks!!!

:T Well done!

fatrab

Well today is a good day!!!

** YEAR 1 PLAN COMPLETE!! **:T:T:T

TV licence paid in full, completing my plan for the year!

fatrab

Year 1 (2018):
Jan - Pay HMRC - £1017 - PAID 25/01/18 (page 5)
Feb - Pay off credit card 1 - £978.80 - PAID 28/02/18 (page 12)
March - Build up £2000 safety fund - ACHIEVED 12/03/18 (page 14)
May - Tax rebate - £857 mileage relief allowance + £179.20 rebate (page 21)
June - Re-mortgage - Approved 05/06/18
July - Pay home insurance IN FULL - PAID IN FULL 29/06/18 (page 25)
July - Cancel mobile contract for tablet - CANCELLED 27/03/18 (page 16)
September - Pay TV licence IN FULL - PAID IN FULL 01/10/18 (Page 29)
October - Pay car insurance IN FULL - PAID IN FULL 03/09/18 (page 28)
October - Pay car tax (big car) - CANCELLED 09/05/18 (page 21)
October - Cancel my mobile - CANCELLED 20/04/18 (page 19)
October - Renegotiate TV/Broadband/Phone package - SORTED 11/09/18 (page 28)
Pay off car finance - CAR SOLD 08/05/18 (page 21)
Pay off loan - PAID 17/05/18 (page 22)
Overpay mortgage if possible - First overpayment 25/5/18 (page 23)
From October - Overpay £483/month to mortgage + £17/month extra to remaining debts

Homegrown0

Wow Rab! That role call of achievements is seriously awesome! I know it's not been a 100% smooth road but it's amazing what you've achieved

Lucifa73

Great effort. Look forward to seeing you smash 2019's plan!


(btw - if you want to be able to look back you should reference post numbers because the page numbers of older posts change as your thread grows.)

jwil

fatrab wrote: »

Well today is a good day!!!

** YEAR 1 PLAN COMPLETE!! **:T:T:T

TV licence paid in full, completing my plan for the year!

Well done :j:j:j:j:j:j:T:T:T:T That's a fantastic result

fatrab

Homegrown0 wrote: »

Wow Rab! That role call of achievements is seriously awesome! I know it's not been a 100% smooth road but it's amazing what you've achieved

Thanks! Yes there's been a few hiccups along the way but got there in the end .


Just need to stay sensible for the rest of the year and get the weight off, then I'll be a lot happier in myself.

fatrab

Lucifa73 wrote: »

btw - if you want to be able to look back you should reference post numbers because the page numbers of older posts change as your thread grows.

I think I'm going to start a new diary on 1st January for Year 2 anyway, so this one will be set in stone from then, cheers