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Five Year Fix, Five Year Plan
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Glad you made it out to the motorsport event! Its always good to do something totally unrelated to work.We spent about 5k having the back garden done as the soil was so heavy it really needed dug up and removed. If we'd had more time we could have been more frugal and hired rotavators to mix gravel and sand in but I just knew I'd never have the energy to finish it. Debating doing something to tidy up the front garden this year. We have a lovely cherry tree which has doen well but the turf isn't great and the borders are struggling.MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.144
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We paid £3k just before the pandemic to have patio slabs and a small strip of grass dug up and replaced with stone chips and a brick outline. It's not a huge space but I think it took about 4 days for it to be all done. I suspect we'd be looking at closer to £5k nowadays, but it looks so much better (also makes the space look larger) that it's actually nice to look out the back window!"You won't bloom until you're planted" - Graffiti spotted in Newcastle.
Always try to be nice, but never fail to be kind - Doctor Who
Total mortgage overpayments 2017 - 2024 - £8945.62!4 -
Thanks @FlacosFloozie and @VintageHistorian - those kind of figures were sort of where I was thinking. Hopefully patio, garden path, some topsoil (maybe get them to put a raised bed as well?) And then I have a base to put plants into.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 20254 -
Very MSE things - cleaned the car at home instead of handing it off to a car wash. Not very MSE things - I think it's leaking oil again. Will have to try and get the garage to look at it on my day off (please let it not be as expensive as last time).
Also not very MSE - starting electrolysis on some stubborn chin hairs. I promised myself I'd give myself that once the house and emergency fund were sorted. It would have been more MSE to not have grizzly bear genes, but you can't pick your family!
Also pruned back the front hedge to try and stop it invading the pavement, and to try and get it a bit more level. Because they got planted in the really high heat, there's a massive variation between the weedy half dead things that were in full sun, the half hearted things that got a bit more shade, and some big sturdy things that were replacements this autumn. They look like a right hodge podge, but hopefully they look more the same size now.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 20253 -
How was the electrolysis? It's something I've considered but not properly explored.
Good luck with your garden plans.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 -
savingholmes said:How was the electrolysis? It's something I've considered but not properly explored.
Good luck with your garden plans.
The hardest part for me with anything like this is reconciling spending money on anything so non-functional and trying to justify it to myself and the nagging voice in my head (really, it's simple. It genuinely does bother me, there is a way to hopefully make it better, I would rather spend that £45 on this than any of the other possibilities, so it's a reasonable thing to do).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 20253 -
Car thankfully is fine - no oil leak detected! Incredibly relieved about that - didn't really fancy pulling from garden fund to fix the car.
(It was so much easier when there was a big 'house deposit' fund and it was just nebulous)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 20253 -
Dentist off the to-do list - finally an NHS opening appeared in a local village. Thankfully no work needing doing either - just the dentist reminding me that braces/Invisilign are an option (maybe one day, my wonky bottom teeth do stop stress ulcers healing, but lets get other things sorted first.) Next appointment booked for 9 months.
Trying to get through to the hairdressers for an appointment as my next to-do thing.
Then garden landscaping phone calls (I'm now absolutely procrastinating on this one because I don't really know what I'm doing so I'm avoiding the phone call. Yes, I know this is ridiculous when about 10% of my actual job is phone calls but personal ones make me nervous).
Social wins - pub quiz with colleagues. Good time had by all. Obviously still procrastinating on anything else in this area.
Health wins - not sure if I've mentioned this before, but finished Couch to 5k! And then repeated the run several times. This has been a real struggle that has taken ages to do, and with lots of injury setbacks so I'm very proud of myself there.
Yoga has been a bit of bust this week - pub quizzes and Friday night emergency op plus evening webinars don't really go well with sticking to a routine, and I've just not picked it back up. Several weeks behind now.
Reading has gone to pot as well, which is always another warning sign that my routine has gone to pot and my mental health is all over the place. Ditto my food spend is a bit ridiculous and over my budget already and we're only half way through the month.
Hopefully this week will be a bit more sane and I'll get to sleep before midnight and regain some balance.
Cat is currently enjoying the (switched on!) electric blanket and snoring over the TV. Do not have the heart to steal it back off her.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 20253 -
Well done on the dentist and the running.
Cat taking the MickeyAchieve 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 -
Hope the Friday night emergency op was on a patient and not you! Congratulate yourself on those wins, you're doing really well ❤ The rest will comeMortgage 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
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