Five Year Fix, Five Year Plan

LadyWithAPlan

Your week of snoozing sounds perfect / think we always so on the go and I personally feel bad when I don’t want to do anything and just chill as my home /life/work list is so long 
However when your body insists on sleep then it’s worth listening to .. 

As I use YNAB I add money aside most months to various bday pots - I have a rough idea how much I want to spend but then the birthday dinners out for my parents  often catch me out 

rtandon27

It's a snoozing kind of day!  Weather is glum and it's decidely autumnal so under a blanket with a heating pad a a warm irish coffee gets my vote!

Merlin's_Beard

Financial update because I've hit some milestones and September marks three years of being in the house.

My pensions have crawled into six figures, for the first time ever (I only have DC pensions).

And, my net worth without house value (pensions + savings minus mortgage/debt), is now £-99,790 so into five figures for the first time ever. At its highest just after buying my house, it was £-207,000 so in three years I'm over half way to zero.

Total debt in that time has dropped from £261,000 to £226,976 as well.

Just a little reminder to myself that I am getting somewhere!

savingholmes

Are you not counting equity as well?

Merlin's_Beard

For the purposes of this, no, mainly for simplicities sake

(I'm not tracking the house worth on YNAB so I'm not 100% sure what my equity is, and I'm not really monitoring my house's worth because it's not super relevant right now - I've got no plans to move. I know I could use a zoopla estimate but they're not super accurate, so why bother?)

I'm excited by the arbitrary numbers but that's more as a signpost of the £100k-ish movement/progress I've made rather than as an absolute!

South_coast

£100k of progress is epic and well worth celebrating 😀😀😀!!! I don't count home equity either - as you say, it's only relevant when you come to sell, and I'm not planning on moving (not sure I can do much to downsize from a 1-bed flat either 😅)

KajiKita

You’re doing really well 😊👏 £100K shift in three years on top of living and doing the garden etc is excellent 👍 

How are the new working hours for you?

KK

Merlin's_Beard

South_coast said:

£100k of progress is epic and well worth celebrating 😀😀😀!!! I don't count home equity either - as you say, it's only relevant when you come to sell, and I'm not planning on moving (not sure I can do much to downsize from a 1-bed flat either 😅)

Seen any fancy cardboard boxes on rightmove lately? 

Merlin's_Beard

KajiKita said:

You’re doing really well 😊👏 £100K shift in three years on top of living and doing the garden etc is excellent 👍 

How are the new working hours for you?

KK

Cautiously optimistic on the working hours! It's helped getting home earlier on a Friday so the weekend can start. It's helped having one day less every fortnight in the main pressure cooker. It's helped me to stop trying to do three people's jobs because I'm not the last one there on a Friday.

There's also been two new starters, and they're catching up to speed - and that's relieving pressure as well.

I managed two nights out this week (a lecture on women in gothic fiction and a work social), plus an unexpected trip out to get my dad to A&E for a third (he fell over, smashed a glass, and cut himself - he's more or less fine now!) - and I've still had energy this weekend to clean and tidy the house a bit, and fix the stuck bathroom plug mechanism, and I've sat with some embroidery (trying something new!) and the Diplomat this afternoon.

I don't honestly think I could have if I'd still been on my old hours. The week off I had as a reset was absolutely essential, and I'm still not 100%, but it feels like I'm getting there.

(AND I booked another talk for next month and have asked someone from work if they want to go, so also points to me on the social aspect too. Seed talks are only £14 so I'm calling it a MSE win as well.)

The only thing I haven't managed to get done this weekend is go at my car with the fabric shampoo after the A&E trip (bit windy, I got most of it up on the night anyway) and book an eye test I got a reminder for (dithering over whether to book the closest one that my mum has had issues with recently, or go further afield).