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Five Year Fix, Five Year Plan
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8am is the best time. You also stand a chance of getting someone who knows what they are talking about.
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badmemory said:8am is the best time. You also stand a chance of getting someone who knows what they are talking about.Thank 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: £272 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're starting to feel better now and resist the temptation to push yourself when you go back (easier said than done I know). We're still paying staff to stay off for 5 days to avoid infecting anyone else but how long head office will allow us to do that...I'm happy to recommend boardgames. Is there a particular type you enjoy? I'm a big fan of co-ops.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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Thanks for all the HMRC advice... will try again at some point, early in the morning.
And thanks to everyone telling me to take it easy, I am, I promise! A bit of gentle weeding this weekend and that's all. The housework situation is getting dire but I'm ignoring it.
Flaco - if we had a "stay off for 5 days" policy then we'd have had one person off, not six! We're independent with minimal sick leave that most people have exhausted early so they drag themselves in sick and infect everyone else.
Re boardgames, at the minute I want to get more games that can be played solo - I don't have any local boardgaming friends so most of my games are left on the shelf.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 -
I don't know if it is your sort of game but I play quite a few on big fish. You can get loads of trials for either 1 or 1.5 hours at no cost. Just to add to them - my security has never had a problem with any of the games & I must have been downloading for at least 10 years. I must say I do miss playing board games, I still have some I won over 40 years ago. The most I can get friends to do are either jigsaws or scrabble. So every day I do Sagas online puzzles & puzzlers online ones & jigzones. At my age I've got to keep fighting off the deteriorating brain.
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Ouch to the low wages. It's hard being solely reliant on one wage.
Hope you feel better soon.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 -
I have that problem with my friends as well, I pick up games thinking YES but then I don't play them often if at all.5
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Yeah, the sick leave issue is a real problem- especially for reception staff who are least able to take the pay hit.Improved sick leave has definately reduced our absence levels.I quite like cooperative games. Mansions of madness comes with an app so could be played solo but i think it would be challenging (depends if you enjoy winning or just playing). I know quite a few folks who played games on steam either with friends or some like wingspan playing against the computer.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 31.07.145
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Wingspan is definitely on my list @FlacosFloozie - only heard good things about the solo mode. I am definitely getting better at enjoying the process rather than just wanting to win as I get older.
Roundup for April:
Surveys: £84.05 - pretty good. Especially as there's about £10 of prolific payouts floating in the ether - apparently this isn't hugely uncommon when they have payout issues and it will eventually wind up back with me within 35 days (have set a reminder), but we'll see. Obviously prolific don't send you an email at cashout so I can't tell you exactly how much either if it comes to a complaint.
Cashback: £5.12 - back to just being bank cashback now.
Food spends: £261.46. This looks worse than it is - I normally do a big shop at the end of the month, and this turned out to be at the end of April rather than the start of May. Also had to replenish emergency easy freezer meals after I decimated them when I was ill. So high but expected.
Book update: 3 bought, 3 read. A book neutral month! Pretty good since I had about a week off cos I couldn't focus on the page. Finished The Secret Commonwealth (another His Dark Materials world book)- now just have to wait for the last in that trilogy to be published. Finished North and South (Elizabeth Gaskell, perhaps need to rewatch the mini series as well, because always a lot of fondness for books where about 50% of the story is carried by easily cleared up misunderstandings that no one bothers to clear up). Also finished A Long Way to a Small Angry Planet (sci fi, absolutely blew my mind with its world building, am diving into the rest of the series).
Fun spends: definitely a month of booking stuff for later in the year and into next year. Replacing stuff that has needed to be replaced for at least 12 months.
Garden fund: £2406.84/£3420 at the end of April. Garden due to be done in June. Will need to make sure I'm careful in May and June to hit my target here.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 luck with your garden target.
You had a great survey month.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 29/7/254
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