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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
    Sorry you've not had the best week off. The weather hasn't been exactly kind. 

    LOL at ignoring the spring flowering bulbs - celebrate them - but yes no control in the garden over things like that. 
    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
  • Tried to go for a run again today and turned back by a giant lake where the path should have been.... and it's raining again!

    Looking through amazon for an ark.

    @savingholmes I sort of feel a bit more like a person than I did a week ago, so that's something.
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Tried to go for a run again today and turned back by a giant lake where the path should have been.... and it's raining again!

    Eeek... I feel desperately sorry for those badly affected by flooding. Glad only you garden got soggy. I dug mini ditches in my first new build garden until the trees and plants were more established and able to soak up the water.

    Looking through amazon for an ark.
    That made me laugh

    @savingholmes I sort of feel a bit more like a person than I did a week ago, so that's something.
    It's so easy to get caught up in work and let it consume our lives isn't it? Have you been back to the book club or is it too soon? I signed up to the next set of art classes.
    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
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I'm also sorry you didn't have the best week off but just having time is great for your health. I don't know how people work 80 hour weeks and survive long term.

    Are you affected by flooding in non-floodplain?

    What book is next week's?
  • @killerpeaty -  thankfully most of the village is off the floodplain, the newer bits on the floodplain are a set of houses that I definitely ruled out even though they've never flooded (plenty of memories of the fields they were built on flooding though!) and industrial estate.

    Next weeks book is the woman in black, a properly spooky story that took me forever to read because every time I reached a bit that might have got scary I put it down til morning.
    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
  • South_coast
    South_coast Posts: 5,877 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Wasn't that made into a film with Daniel Radcliffe 🤔? 
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I wouldn't be able to read or watch it either. 

    Nice one on the tax refund. It all helps.
    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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