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Five Year Fix, Five Year Plan

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Comments

  • KajiKita
    KajiKita Posts: 9,867 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 2 March 2024 at 9:48AM
    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 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 23 books of target 52 in 2026 as @ 28th March. 
    Produce tracker: £59 of £400 in 2026

    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: 29,139 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 £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • savingholmes
    savingholmes Posts: 29,139 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 £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
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