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Five Year Fix, Five Year Plan

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  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sadly many companies will get the pension contributions wrong. You can report them to the pensions regulator if they do not fix it.

    I once had a company (otherwise very respectable) who didn't pay any of their pension contributions for two years. Claimed they couldn't get the pension system to work, well... Tough! Get it fixed!
  • In more idiot news I managed to tap the back of someone else's car while crawling along in a queue. Was initially going to just pay for what the other driver asked for for repairs (and notify insurance as a no claim) but they started with a "pay me now or it's going to insurance" so now we're going through insurance, if nothing else because they were stressing me out (literally, they were angry I hadn't replied within 90 minutes - sorry, I'm doing my job??). and I was worried they were going to start adding extra things on (accident was at 2-5mph tops)

    Dread to think what that'll do to the insurance at renewal (no claims is protected, but this is the first incident in 20 years of driving so I'm guessing a hefty rise!)
    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
  • Sadly many companies will get the pension contributions wrong. You can report them to the pensions regulator if they do not fix it.

    I once had a company (otherwise very respectable) who didn't pay any of their pension contributions for two years. Claimed they couldn't get the pension system to work, well... Tough! Get it fixed!
    Hopefully it'll get fixed!
    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
  • Right. Productive day.

    Pension has been corrected, firstly, so can stop worrying about that. 

    Internet contract renewed - what my current were offering me to stay was actually cheaper than the (limited) alternatives, so haven't gone through the phone and just renewed online. About a pound or two more expensive than what I'm paying at the minute.

    Called the car insurance - no excess to pay for third party damage (I didn't realise this) so as far as I'm concerned that's that sorted and done.

    Next door neighbour popped around to tell me that no workmen had appeared last week on the day I was expecting them (they were meant to be sealing some vents in the roof), called the developer, company has marked it as done. Have left them chasing it up.

    Shopping done and put away, dishwasher sorted and reloaded.

    Sorted some expenses for a course I did earlier in the week, hopefully will get that back soon.

    Had a look on j p - thanks for the heads up @redofromstart and have ordered a half price package of perennials to go in the borders. I won't be able to use everything in the mix because some things are toxic to cats (she eats everything), but about 80% is definitely cat-safe and I can give the rest away.

    Also ordered some roses from DA - thanks to redo for that rec as well.

    In other news my crocuses have got their flowers out! Daffs are budding as well. Several other mystery shoots coming up - I can't remember what they are.
    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
  • KajiKita
    KajiKita Posts: 7,717 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That’s lots of boring adminy type jobs nailed there. 😊👏

    Lots of lovely gardening things happening too 😊 Your energy levels sound sky high 😊

    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 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love it when spring bulbs show their faces.
    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
  • It's 2pm and I think I'm done for the day :joy:

    Was out until 2am at a hen do last night, and stayed over with a friend who lives closer to the venue and was driving. So this morning I've made my way home, sorted my overnight bag, planted the four rose bushes that got delivered from DA in the back garden, looked at the front garden and decided that no, it's too wet to mow the lawn. Booked an escape room for several friends for April, so that's another social thing in the calendar.

    And now I'm sat down remembering that I'm too old and too tired and I'm going to have an afternoon vegetating (I got all the normal weekend jobs done yesterday), and reconciling YNAB.
    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
  • redofromstart
    redofromstart Posts: 5,852 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 25 February 2024 at 3:35PM
    Good decision, after the rain of the last few days the ground is saturated. We thought about mowing ours but it is far too wet.  Oy, noisy neighbours, it is far too wet!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I nearly mowed the lawn too - but skipped it. I've charged the battery ready though.

    Well done on planting the 4 rose bushes and planning a social event for a couple of month's time. Good to have flowers and friends and experiences to look forward to.
    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
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