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Five Year Fix, Five Year Plan

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Comments

  • KajiKita
    KajiKita Posts: 9,528 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Happy birthday 🥳 
    Hope you’ve had a lovely restorative weekend and go onto have a lovely year ahead 😊

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 13 books of target 52 in 2026 as @ 12th February.
    Produce tracker: £39 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. 
  • Humdinger1
    Humdinger1 Posts: 2,773 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Happy birthday @Merlin's_Beard! Planx sound fab.  Love Humdinger xx 
  • KajiKita
    KajiKita Posts: 9,528 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    Oh heck! That must have been quite a shock 😳 Were you hurt at all, whiplash etc?

    So glad someone stopped to help you 😊 Hope the repair bill isn’t too ferocious …


    It’s gaming your system a bit, but if you get paid on Friday, could you wait until Saturday to do your food shop …? 😉


    KK

    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 13 books of target 52 in 2026 as @ 12th February.
    Produce tracker: £39 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. 
  • rtandon27
    rtandon27 Posts: 6,460 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    Fancy spreadsheet as a form of unwinding? - you and me both - I've started thing of it like a budgeting snack.

    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)
    Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)
  • KajiKita
    KajiKita Posts: 9,528 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    I'm glad that you weren't hurt and the suspension didn't need any repair - you were relatively(!) lucky.

    Shame about not gaming the month, but you will now have an excellent February! 😉

    Take it steady tomorrow coming home and I hope you have a lovely, restorative, weekend once you get to it. 😊

    KK

    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 13 books of target 52 in 2026 as @ 12th February.
    Produce tracker: £39 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. 
  • KajiKita
    KajiKita Posts: 9,528 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    Did you get home okay without further incident last night?

    I was thinking of you today as I travelled through woods this morning and a big female deer tore across the road right in front of my bonnet! 😳


    KK

    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 13 books of target 52 in 2026 as @ 12th February.
    Produce tracker: £39 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. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,689 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper

    Oh no KK that sounds scary!

    I took it slow and was MUCH sterner about sticking closer to the white line instead of yielding to traffic coming the other way.

    However as I passed the layby I'd been stuck in I could see another car with a bloke changing his front left wheel, so the potholes still had their victim 😭

    I've reported it to the council because they have a pothole reporter page, but that entire road is just littered with craters big enough that if they were on the Moon they'd have names.

    Had to stay late at work on Friday, to round out another emotionally exhausting week. I guess silver lining that is some overtime to pay for that new tyre and wheel BUT I would far rather have been at home.

    Pay also came in and my tax code has changed—presumably because of the forms I submitted in December—so kept £600 extra that I wasn't expecting AND it's a council tax free month so that's another £180 in the budget.

    All going into those things I want! Hopefully that will get repeated until tax year end but honestly with HMRC who the hell knows.

    This weekend just flaking honestly. Was meant to be going to an all day board game thing but I'm honestly just exhausted and I need rest. Poking at a short story that I want to submit for an anthology.

    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
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