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Five Year Fix, Five Year Plan
Comments
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Rest is good 👍
Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
Great wee rebate.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 21 months left.2 -
If your body is saying rest, be sure to listen to it!
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)2 -
Glad you have decided to prioritise rest for yourself. The all day board game thing will run again and can be combined with a day off on a Friday / Monday so you still get two days downtime for you.
Hope the short story poking does / has gone well 😊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.2 -
Thanks all, had a very quiet weekend here. Tried a "viral 2 ingredient Japanese cheesecake" (shove some biscoff biscuits into a big tub of greek yoghurt, leave it overnight - quite tasty, suspect it was my entire weekend of calories in about 10 minutes though!
Also made a list of jobs to do/attempt to do, weather depending, for my week off.
Did a little piano practice as well. Have been going little and often with that. Also managed a little B@bbel german practice as well.
Other than that, some diamond painting (it's not painting so much as just putting sparkly bits of plastic on the place it tells you, bits go everywhere, but good grief it's calming) and watching more Str@nger things.
Feel just about recovered enough to think about facing the day, another rough day in store tomorrow.
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: +14 -
The diamond painting sounds like it would be the exact opposite of calming for me 😅!
Hope tomorrow is OK x
Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Good luck with today, will be thinking of you.
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.1 -
I found diamond art very frustrating. I am not dysteric enough.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 21 months left.2 -
@Merlin's_Beard may I suggest you put a claim into the council for tyre replacement?! It will encourage them to repair if not doing so costs them money. Love Humdinger xx
3 -
@Merlin's_Beard - Totally agree with @Humdinger1 - My OH's ex-father-in-law worked for a council in charge of roadworks, and admitted that an pot holes that had claims against them always got repaired first as it cost them too much in vehicle damage! …and don't let them put you off with a lower amount - give them receipts and also claim for the time it takes you to do the actual claim & any inconvenience (time spent waiting by the roadside for help etc.) - they don't always pay out the extra, but sometimes they do!
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)2
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