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Five Year Fix, Five Year Plan

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  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks for the detailed and comprehensive reply. I think I’m still stuck in the days of James Herriot! 😂
    I’m also much better off as an employee too, being a manager is enough for me, I don’t think I would want much more responsibility (though I was toying with the thought earlier in the year ….).

    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 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • How fascinating! A friend has a few vet practices now .. but doent really do much vetting himself anymore.
    he did enjoy doing the 'extra training courses abroad' as tax deductible jollies ;)

    I Like running my own business but yes its lots of paperwork
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • rtandon27
    rtandon27 Posts: 5,683 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Are you still within your window to change your mind? Isn't it 14 days? Curries might decide to sort it out rather than uninstall and take it back!
    We had a similar issue a few years ago with a fridge from AO and I made them come back and take it away! (Ordered a replacement from Curries)
    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 sounds really frustrating on the dishwasher.

    Interesting re the back story on James H and the museum.

    I was tempted by a yule log tonight without any of that but then I'm only just eating tea!
    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
  • C*rries again and sidestepped the AI to a real person, who went through the normal problems that I can check (all fine) and booked me an engineer visit for a week on Tuesday. They offered me earlier but this is the issue with a non flexible job - you do my day off or it doesn't happen. And I'm definitely not asking parents to sort this out because it would send them into a tailspin.

    Also tried to book a flu vaccine - rang the village pharmacy, which informed me that they don't do flu vax bookings over the phone (fair enough). Went to their website, which gives you the option to book every vaccine under the sun except a flu vaccine. It looks like it hasn't been updated (still showing as "expected September"). So sorry small local business, I'm going to T3sco.

    Folk music gig tonight, in a town I've never been to accessible by no major roads (at least from my direction).

    On and off trying to figure out the Hidden Books Game from the national book token website. So far at 6/20 - very slow going this year!
    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
  • How annoying v dishwasher - no wonder you are Yule logging hard ! 

    I have had text on from dr on  flu vaccine but can’t get an appointment..  
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • I thought you had the right to a refund in the first 30 days. 

    Much sympathy - so frustrating 
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