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Five Year Fix, Five Year Plan
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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...
The best thing about electronic books is not having to share them - it's murder trying to read the next chapter when the book disappears from where you left it!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 -
Spoke too soon on the Netflix - tried to log in again today and it's throwing me out as not in the right household. Bah.
My external hard drive that I use as a back up also seems to have gone the way of the dinosaurs - not connecting to anything on the network, nothing can see it. There are a lot of media files on there that I would want to save, but also there are photographs from the last 15 years or so. Ironically, the hard drive was a backup to the laptop that died last month, so they're pretty much lost. Have emailed a local data restoration specialist to see if they might be able to help - if they can, their price list suggests it's going to be around £350 to recover 3TB of data.
In a way, this is because I've held off replacing everything in favour of saving a house deposit then rebuilding emergency fund, so I'm not 100% surprised that everything is falling to bits now. It would have been nice if the hard drive could have waited for me to re-back up the photos onto the new laptop though!
On a brighter note I've paid for a course in the summer for work, and work reimbursed me within about 48 hours of me submitting the claim. All the travel and accommodation is going to be on me, but I'm going to extend it into a holiday.
Cold feeling a lot better by this weekend, but I'm still giving myself a day of pretending that I'm ill and lounging around doing not much. De-Christmassed, laundry, and general pottering.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 -
The trip sounds great..
I had a friend who was a vet and every year he found a jolly - I mean work course- somewhere hot and fabulous to so...
I am also still on lazy go slow... but its not even a week into the NYDON'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 feel better soon! EF is looking great and you totally deserve to buy all the books with how hard you work. Will keep popping by4
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Gutted for your external hard drive. Hopefully you can recover the info, even if only some.5
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Hope you recover your dataAchieve 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 -
Very quiet here with little in the way of updates.
External hard drive still isn't sorted - when I chased it up last week, my email had gone into their spam and disappeared. They also needed me to provide a drive to transfer the data on (or they can charge me for one), so I had to get that sorted as well (£120 for a 5GB USB). Hopefully should be able to drop it off on Tuesday and then I'll keep my fingers crossed.
Still have done nothing about a table or chairs for the kitchen/diner. Something of a decision overwhelm going on - too much choice, don't know where to start! It can be a February goal.
Sitting here listening to Isha trying to huff and puff and blow my house down (thankfully it's made of brick!)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 20251 -
Haha my mum has just texted me to tell me Martin Lewis is talking about mortgages on ITV, because she knows I don't pay that much attention to personal finance....!
I always knew that woman never listened to me
I don't think she's really clocked what fixed rate until 2027 means, either...!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 -
That sounds like my Mum, who proudly told me she'd got marriage tax allowance sorted in less than 5 minutes....about four years after I said they should claim it 🤦♀️🤦♀️🤦♀️🤦♀️🤦♀️ Funnily enough, I think that was prompted by seeing ML on TV too!
But the best one was BF asking why I was bothering overpaying my mortgage, as "We'll be on negative interest rates soon" (2020) All together now: Hahahahahahaha 🤣!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!!!7 -
lol !Hope you get your hd fixedDON'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#latest3
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