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Five Year Fix, Five Year Plan
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“Flattened by a determined Guinea pig” made ne smile …. Sorry 😊 To be fair, Guinea pigs are quite feisty wee beasts 😉
Personally I would go the sand stone, but mainly because I prefer natural materials in an outside setting. In terms of long term use or maintenance they will both need tlc of one sort or another.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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.5 -
Still off work, better enough to feel bored but not well enough to do anything about it. Horrible sinusitis means that the right side of my head feels like it's going to fall off, but that's fairly normal for my colds.
Quote 2 (with the sandstone option) emailed with an offer of 10% off if I booked today - pushy! But, he seemed to get what I wanted and make the most helpful suggestions of the three, especially when the picture sent through from the outstanding quote was not what I wanted.
So I've said yes, paid the deposit, and booked it for my two weeks off in June. Eek!
So £4275 total.
£3420.00 outstanding.
£1961 left over from the end of last month.
And that leaves about £1500 to save before mid June. Very doable hopefully!
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 20256 -
Glad you’re feeling a bit better 😊 Sympathies on the sinusitis - that’s where my colds always seem to go too ….Does the contractor you’ve signed up to say that they will honour the prices, including on the materials, by June?
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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.5 -
KajiKita said:Glad you’re feeling a bit better 😊 Sympathies on the sinusitis - that’s where my colds always seem to go too ….Does the contractor you’ve signed up to say that they will honour the prices, including on the materials, by June?
KKStart 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 -
Merlin's_Beard said:KajiKita said:Glad you’re feeling a bit better 😊 Sympathies on the sinusitis - that’s where my colds always seem to go too ….Does the contractor you’ve signed up to say that they will honour the prices, including on the materials, by June?
KK
At least you’ve found a contractor you can trust to listen to you.
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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.4 -
Hope you feel better soon.
Exciting once the work is done too even if painful handing over the money.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 -
Still snuffling a little bit but a lot better.
Otherwise all quiet here, just waiting on the next payday - probably next week sometime (officially the last day of the month, in actual at the point in the last week when the bosses get time).
Spent some time with my mum over the weekend, she seemed to like her flowers - not the most effusive person in the world, so who really knows!
Batch cooked some sausage and mushroom taglietelle today from BBC GF- actually very nice! At some point in my life I need to update my kitchen pans to reflect that I mostly batch cook because it's a heck of a squash sometimes getting everything in what I've got, but that's a problem for future me.
The money side is ticking along - not a lot spare to play with this month anyway.
Tucked under my electric blanket watching a film that's going to go off far too late for my bedtime really.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 20255 -
Good to hear you are feeling better 😊
Waaaaay back in the days when I was DWD full on because of the mess I was in after leaving a nasty ex, I bought myself a Le Cr3us3t casserole dish (other brands are available 😊) - we both still use it now for our respective batches, some 20 plus years later! They sometimes appear in outlet shops - I think there’s one at Gloucester Quays for example, so they are worth looking out for.Is it just me or has the gap between February and March paydays been THE longest in history ….? 🙄😂
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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.4 -
I want to use some additional monthly payments diverting to top up continues Mortgage payments.
Yet I'm not sure as that 50 pounds could be used to top up Double Glazing payments.
Mortgage is 3.4 over almost 5 years fix. (<9 year term)
Windows I think are 9.9. over much longer term.
Is it silly to add extra to Mortgage ahead of Higher rate Windows with intention of increasing completion of Mortgage End over 5 yr fixed 5 years plan.
Windows would be reduced from 7 years to <4 years.
Mortgage though would be greatest achievement and Savings after year five.
thanksReplenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb3 -
Hello! I have been batch reading your diary too. I bought lightweight not really cast iron huge casserole dishes from Azn which have worked and washed well, and I can lift them full unlike my lovely expensive cast iron stuff.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5
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