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Five Year Fix, Five Year Plan
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Does he know this is not how you make twins?savingholmes said:That water is proper scary. Doesn't quite beat the time when in a call centre a guy got his wife and mistress pregnant at the same time - and they all worked in the same place on the same floor!
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Love it!!killerpeaty said:
Does he know this is not how you make twins?savingholmes said:That water is proper scary. Doesn't quite beat the time when in a call centre a guy got his wife and mistress pregnant at the same time - and they all worked in the same place on the same floor!
On the bed at 10pm - I only wish. Round here there's a competition for how many fireworks you can set off and they were going off from around 7 or 8pm through to at least 12.30am so no point going to bed early as I wouldn't sleep through 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 29/7/252 -
Ahahaha that's brilliantkillerpeaty said:
Does he know this is not how you make twins?savingholmes said:That water is proper scary. Doesn't quite beat the time when in a call centre a guy got his wife and mistress pregnant at the same time - and they all worked in the same place on the same floor!savingholmes said:
Love it!!killerpeaty said:
Does he know this is not how you make twins?savingholmes said:That water is proper scary. Doesn't quite beat the time when in a call centre a guy got his wife and mistress pregnant at the same time - and they all worked in the same place on the same floor!
On the bed at 10pm - I only wish. Round here there's a competition for how many fireworks you can set off and they were going off from around 7 or 8pm through to at least 12.30am so no point going to bed early as I wouldn't sleep through that.
Thankfully only got one re-enactment of a warzone at midnight that from the direction must have been the organised display in the next town over, so watched for about two minutes then went back to bed!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 -
Sadly no chance to do anything more with the earplugs as I've come down with a horrible cold that's left me half deaf. It's cheaper than buying them but I wouldn't recommend. Bunging my head over steamy hot things as much as I can to relieve the sinusitis and downing the paracetamol. Clients eyeing me suspiciously in a mask (I'm testing negative for COVID but I'm trying not to give anyone a cold either).
On a brighter more MSE front, it turns out I'm not locked out of the Netflix account any more - they seem to have stopped enforcing the one household per account rule and it's letting me back in without jumping through a million verification hoops.
(But counterpoint, have bought the first book of 2024. It was on offer!)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 -
Happy new year and happy reading
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#latest4 -
Hope you recover quickly.
Glad you made it into watching films and enjoy your new book.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 29/7/255 -
Oh no! Feel better soon MB xx
I dragged the OH into a bookshop today for a look round at ALL the books I'd like to read - Everything he picked up and suggested I might like was already on my wish list (which he has access to so should have known) or on my kindle, already purchased at a fraction of the price or borrowed from the on-line library. His comment was that if I had that many unfinished books, then there was to be no more purchases - LOL - I was seriously not impressed by the comment! The best bit was when he picked one up and said - here is one we both would like, and I had to confess that it got bought yesterday on the kindle for 99p and I was already on chapter 2. - I then explained that as he's attached to my Amazon account he could also read said book but would have to tell me so I could bookmark my progress 😉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!6 -
That's definitely not an acceptable attitude to have!rtandon27 said:Oh no! Feel better soon MB xx
I dragged the OH into a bookshop today for a look round at ALL the books I'd like to read - Everything he picked up and suggested I might like was already on my wish list (which he has access to so should have known) or on my kindle, already purchased at a fraction of the price or borrowed from the on-line library. His comment was that if I had that many unfinished books, then there was to be no more purchases - LOL - I was seriously not impressed by the comment! The best bit was when he picked one up and said - here is one we both would like, and I had to confess that it got bought yesterday on the kindle for 99p and I was already on chapter 2. - I then explained that as he's attached to my Amazon account he could also read said book but would have to tell me so I could bookmark my progress 😉
I justify the excessive book purchases by saying that the vast majority are 99p, they are all books that I want to read, and that one day I will read them.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 -
I'd justify it like that too...
I have recently bought 24 credits for the audio version of books - but this week downloaded about 30 free books...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 29/7/255 -
Books are essential to wellbeing xx
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.145
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