We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Five Year Fix, Five Year Plan
Options
Comments
-
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 29/7/253 -
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 20254 -
Merlin's_Beard said: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!Merlin's_Beard said:Looking through amazon for an ark.Merlin's_Beard said:@savingholmes I sort of feel a bit more like a person than I did a week ago, so that's something.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 29/7/251 -
In fairness my run is down by the side of the river, so it's designed to be a floodplain and doing its job, but still.
Book club is next week!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 -
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?3 -
@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 20254 -
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!!!3 -
October roundup:
£1631.80. Nearly £300 back from the taxman in the last 24 hours - cannot work out if this is mileage or pension or what but I'll take it.
Emergency savings fund: £12,000. rebuilding as planned.
Surveys this month: £139.31. Plus a £50 lovetoshop voucher that I'm not really sure whether to add onto YNAB as 'real' money or just use it and write it off. I have done literally nothing special this month except get very lucky.
Food spends: £235.80 - okay. I would have been under budget if I'd gone shopping on wednesday and not today, so..
Books - 6 books bought.3 (The Woman in Black, which I really liked despite not being a horror fan; The Moonstone which was another Victorian mystery; and Tiffany Aching's Guide To Being A Witch which was sweet and easy)
We won't talk about what pensions are doing this month, we'll ignore it and look at it again when things are better.
Social - quiet this month, but on purpose after a busy September. Needed to rebalance. With a job that involves interacting with people constantly it's always difficult to figure this one out.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 -
South_coast said:Wasn't that made into a film with Daniel Radcliffe 🤔?
Thankfully I wasn't the only wimp when we talked about it!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 -
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 29/7/253
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards