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Five Year Fix, Five Year Plan

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Comments

  • redofromstart
    redofromstart Posts: 6,018 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 9 May 2023 at 7:18PM
    I would say that our standard food spend has gone up 25% despite being more careful etc. the co op is swings and roundabouts for me - £1 for six medium free rang(ish) eggs is a great price and they often have stock here, unlike the big players. The cheese on the other hand is stupidly expensive.
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Merlin - have you looked into the cost saving of getting most of your food delivered. Sometimes you can get cheap deals if you don't want to pay monthly - and it could pay back. 

    Glad the grape hyacinth and daffs worked for you. The F one can be trickier. I'd give it another year / a bit longer to see how things go.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.1K updated 14/11/25
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,624 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @savingholmes I normally do a monthly delivery of the big stuff, but top up shops wouldn't be worth it after the extra charges.

    and if I get 4 types of flowers out of 5 I guess I'll call this  spring a success - two types of daff, crocuses, and grape hyacinths all came through really well so I can take the knock of one failure.

    The Prolific money has returned to my prolific account! Successfully cashed out and with me now. Had a few good days on the surveys.

    Spent yesterday wandering around a garden centre staring at plants and deciding that I still don't know what I want in my garden (except a solar powered bird bath, spent far too long looking at them). Seating I'm going to wait and see how big the patio actually looks - I want something I can sit and eat at, but also be comfortable enough that I can sit and read a book for ages, but a lot of the rattan sets look huge and like they'd overwhelm the small space I have. Actual plants... who knows. I know I want some tall greenery to create height in such a small space but I'm not really sure how I want to achieve it and fit into a small garden and still stay wildlife friendly. More looking and thinking needed!

    Made a trip to the tip to get rid of things that have been sat around the house since September when I moved. As everything, I'd been putting it off for 8 months and it took me an hour, tops.
    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
  • redofromstart
    redofromstart Posts: 6,018 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 11 May 2023 at 6:23PM
    ooh a winter flowering honeysuckle up a fence panel, great for early bees and sometimes we get the Stupid Pigeons nesting in it. Doubles as a cat climbing frame and light snack bar sadly.

    I have fragratisima and winters beauty, both white and evergreen. 

    Morrisons usually good for young and cheap climbers if you are ever near one
  • redofromstart
    redofromstart Posts: 6,018 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Best advice I was given when I first started planting a garden was to buy something in bloom every month so there is always something to look at
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like plants that do double duty with flowering and potentially being evergreen. I therefore love azalea and evergreen and have evergreen climbers. I've told you before I love the bush red robin. I have a spiky mahonia plant with yellow flowers in the winter - and berries now. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.1K updated 14/11/25
  • Dandytf
    Dandytf Posts: 5,073 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I've slightly Delayed 5 yrs Fix Plan.
    Need access to OverPayments reserve to cover Dimplex Quantum storage heater.
    I called Mortgage provider with intention of returning to overpayments from Sept.
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
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