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Five Year Fix, Five Year Plan
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Not much point having a refund though if what you really want is the dishwasher 🤣!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!!!5 -
What a pain on the dishwasher! Hope it’s sorted on Tuesday at least.
I’m also a fan of the hidden books game, though I’m now at the stage with mine where Google is heavily involved!Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
South_coast said:Not much point having a refund though if what you really want is the dishwasher 🤣!astrocytic_kitten said:What a pain on the dishwasher! Hope it’s sorted on Tuesday at least.
I’m also a fan of the hidden books game, though I’m now at the stage with mine where Google is heavily involved!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 20256 -
Folk gig last night was incredible and well worth the 3+ hour round trip through country roads that my satnav dragged me across (it would have been a pull over in the pitch black and properly look at the stars area if it hadn't been wet and raining and cloudy). Tiny little venue that allowed him to step away from the mic with his instrument at one point and just entertain us, no amplification necessary. Magical.
Only slightly marred by him talking about a tour early next year to celebrate the 20 year anniversary of an album I bought as a legally adult person, because what do you mean that wasn't five years ago.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 -
Gig sounds fun. Good luck with the dishwasher resolutionAchieve 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 29/7/252 -
November roundup a bit early:
£785, which isn't bad considering the cost of the non functional dishwasher.
Emergency savings fund: £12,142.86. rebuilding as planned.
Surveys this month: £15 - very poor, but I didn't really try so..
Food spends: £182.58. Under budget!
Books - 3 books bought. 2 read - Dr Jekyll and Mr Hyde (quite good), Killers of the Flower Moon: The Osage Murders and the Birth of the FBI (very good, although horrifying, in so many ways, even if intellectually it's unsurprising). Very slow progress on reading this month thanks to a long, dense, book that I'm still slogging through. (interesting, but needs me to pay attention).
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 20257 -
Well done on the EF. That's a fantastic amount.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 29/7/252 -
First time logging on for about a week and a half, because my laptop stopped working. At ten, it was perhaps its time but it could have picked a better moment - either before I'd bought the dishwasher or hung on into the new year!
Anyway, new laptop bought - hopefully to last for the next ten years, but we'll see. Am very much enjoying the speed and crispness of this, and the fact that the whole screen works all the time.
Dishwasher guy came out - dishwasher now works. A small blockage in the outlet from the drain stopping the whole thing working. Am enjoying never washing anything again (apart from the not dishwasher safe things).
Finally, finally emailed the developer about the email the boiler guy sent me, and they're sending over someone to look at it. Really not expecting any sort of outcome to this - the flue is a) too close to my loft vents and b) despite this, venting onto the neighbour's drive - so what are they actually going to do? but at least I can say I tried?
Have written Christmas cards, and they're ready to post or distribute. Have wrapped the Christmas presents I've got. Some have been shipped directly to recipient. Some I still have to buy.
Financially, both FD and HSBC regular savers have matured. The original plan was to pay a chunk off the student loan at this point, with some of that money. However. Because I've forked out on a new laptop, and because I'm going away this week, and because the FD regular saver is still active and not releasing the money yet, I'm going to hold off, because I don't want to end up dragging money out the (non flexible) ISA if I don't have to.
Have started packing as well, although I'm not going until Tuesday. Very grateful that none of my trains seem to be affected by strikes yet.
Have had a massive sitdown updating all my YNAB files and reconciling left, right, and centre, now I have a laptop back, as well as catching up on threads here.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 20257 -
Welcome back! So glad to hear it was not the dishwasher itself that was the issue! Happy new laptopping too!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!4
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Welcome back! So glad to hear it was not the dishwasher itself that was the issue! Happy new laptopping too!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!3
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