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Five Year Fix, Five Year Plan

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds pretty good deal on the theatre. Glad you are planning to make more time (& £) for joy.

    I would be worrying about the landscapers too. It's so annoying isn't it! The only consolation is it's typical behaviour - so probably too early to worry. 
    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
    I'd be the same....

    It's so easy to tell others not to worry, so hard to do in practice yourself.
    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
  • rtandon27
    rtandon27 Posts: 5,692 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I'd also feel the same way MB - nothing worse than a tradesperson who can't keep an appointment! - Don't feel guilty about chasing though, or second guessing yourself (and rereading e-mails), expecting timely communication from them is not a big ask!

    On the other hand, if they come with glowing reports on the quality of their work, it may be that they are genuinely delayed by the heat!  It's been stifling out there & I've had to vacate my end of the garden office by noon every day since last week even with doors & windows open.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's the disappointing bit isn't it - feeling like you wasted an opportunity. Glad they turned up today.
    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
  • rtandon27
    rtandon27 Posts: 5,692 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    So glad to hear they turned up today! Looking forward to hearing about the progress and results.
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yay for the tradesmen turning up! 

    You could get him a national trust membership. Might encourage him to go out and enjoy himself a bit.

    My uncle made big model train sets when he retired, converted one of his kids rooms into a train room. Everytime we went on holiday together he would manage to get something for his sets.
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