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Five Year Fix, Five Year Plan

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  • KajiKita
    KajiKita Posts: 7,715 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    badmemory said:
    8am is the best time.  You also stand a chance of getting someone who knows what they are talking about.
    <Files this piece of information away for future reference …..>

    Thank you 😊 

    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 = £11,816 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. 
  • 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 31.07.14
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,484 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    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 2025
  • badmemory
    badmemory Posts: 9,656 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
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