We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Five Year Fix, Five Year Plan

1666769717279

Comments

  • KajiKita
    KajiKita Posts: 8,802 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 2 March 2024 at 8:48AM
    I really enjoyed Lessons in Chemistry , hope you do too 😊

    I liked Malta, loads of history and every possible food option you can think of. The bus service is really good - get a weekly ticket and you can ramble around almost anywhere. The boat trip to Gozo is horribly busy but Gozo itself is lovely - much quieter than Malta with a really tangible atmosphere 😊

    C’mon then, HOW on earth do you come in under budget on food spend??! I need some advice here!! 😊😉👏

    KK
    As at 15.11.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 71 books of target 52 in 2025, as @ 1st December 
    Produce tracker: £442 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. 
  • killerpeaty
    killerpeaty Posts: 2,670 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Very social! I'm glad you're enjoying this book more than the last.

    Well done on your month!
  • savingholmes
    savingholmes Posts: 29,112 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the socialising - I trust you had plenty of fun along the way.

    My new build gardens always squelched. I dug ditched around the lawn between them and the flower beds and added gravel. That helped.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.1K updated 14/11/25
  • savingholmes
    savingholmes Posts: 29,112 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the sharing of plants. That's community right there even if it's different to the old days.

    Glad you enjoyed the gig. The comic con sounds great too. They always look so colourful in movies.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.1K updated 14/11/25
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.7K Banking & Borrowing
  • 253.8K Reduce Debt & Boost Income
  • 454.6K Spending & Discounts
  • 245.7K Work, Benefits & Business
  • 601.7K Mortgages, Homes & Bills
  • 177.7K Life & Family
  • 259.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.