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Five Year Fix, Five Year Plan

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  • rtandon27
    rtandon27 Posts: 5,689 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Merlin's_Beard said:

    ...That's definitely not an acceptable attitude to have!  :D

    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...
    So true, especially as the Mr. currently has 5 bookshelves overflowing in the house!  He says he's read them all, but I've not seen him read anything recently & at least 3 of the thickest ones are new & don't look like they have been opened! - LOL

    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!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,751 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    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 NY
    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
  • 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 by :smiley:
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you recover your data
    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
  • 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 2025
  • lol ! 

    Hope you get your hd fixed 
    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
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