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.
Five Year Fix, Five Year Plan
Comments
-
For compensation, the council wants a photograph of the pothole that damaged the car, with something marking how big it is, and a written statement from the garage saying it was pothole damage, as well as the invoice for the repair.
With it being a 60mph road that is quite busy I'm not sure how realistic it is to do that!
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: +12 -
But I'm about to start a week off now!
Got a massive list of jobs to do and a voice so croaky that every client commented on it yesterday, so I'm convinced that as soon as I relax I'm gonna get hit with the flu or a bad cold. I've made a good start though, switched energy supplier, shuffled savings into premium bonds (and accidentally co-running a seminar on them and pensions at work for the kids 😂), switched bank account up (finally converted my 123 to an Edge at the spanish bank, because if I do keep on top of shuffling savings out of it it does make sense AND there's a great saver associated with it).
Tidied away a bunch of stuff as well, including christmas presents that have sat around for a month.
The forecast says it's going to rain, but it isn't at this very second, so if it stays okay then I might hop out into the garden and start on that disaster - clear the veg patch, prune the roses, weed everything etc. I need to clip the hedge as well but I'm not sure that'll happen.
If it does rain I guess I'm cleaning the house (please don't rain!)
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: +17 -
Sounds like you've made a cracking start 👍! Hope you don't succumb to anything nasty, and if you do that it stays mild 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!!!2 -
Umm … does this week off involve sooooome downtime at soooome point? 😉
I agree about the pothole! 🙄
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 -
I'm planning for it to be mostly downtime! It's 11am and all I've managed to do is breakfast and set a load of laundry off so far. But I sort of want to get the bigger jobs done first, and the maybe jobs later (maybe jobs are shed shopping and paint samples for the main bedroom)
I've also advanced to the second round of a flash fiction competition that, frankly, I'd forgotten I'd entered. So I have to write a 250 word microfiction piece this weekend as well. Got some interesting (and useful) feedback from the first round, which was the real reason I entered. (and I'm hoping that some fresh air and mindless manual garden labour will give my mind time to rest and wander and provide ideas to go with the mandatory prompts).
(There's this second round, then a final round, then the winners get published, which obviously with 800 people still left in it is a very long shot but realistically I'm doing it for the professional feedback each entry gets.)
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: +13 -
Although urgh it's raining now I don't want to do the garden that badly
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: +12 -
DID manage to get outside and do the garden, mostly - I can't do the hedges because I filled the garden bin, and I filled it with rose pruning among other things so it's too spiky to squash down! Lots of spring shoots showing through on my garden - @redofromstart the snowdrops are poking their heads out now for their second year and seem to be thriving!
Love to see these signs of life starting to poke through - and today marks the first day the sun sets after 5pm in my area of the country.
Also collected everything together that needs to go to the tip, except for a garden thing that has been living outside for a year.
Food for tomorrow needs marinading overnight in the fridge so that has been mixed, put in the fridge, just needs setting off on the slow cooker tomorrow.
Piano practice done as well.
Time to sort the giant pile of professional magazines I've been ignoring for months.
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: +16 -
That sounds like a really productive and positive day. Your tomorrow self will really appreciate the food prep you have done today 😊
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.3 -
haha - my magazines are the bane of OH's existance - about twice a year I have a major cull and the paper goes to the recycling!
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 -
Things off to the tip, microfiction was submitted within the deadline. Holiday to Sweden booked! Flights, hotel, airport parking, travel insurance all sorted.
House is also cleaned! Including taking everything out the fridge, checking the date on it, wiping everything down.
Sorted the car boot out after the whole tyre thing, and hoovered out the passenger and driver side as well as cleaning the windscreen.
The magazines are sorted (recycled)
I'm skipping book club tonight because I have no voice and am sneezing, and I guess everyone will like me better if I don't get them sick, so a quiet night in front of the TV for me.
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: +15
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.5K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 455K Spending & Discounts
- 246.6K Work, Benefits & Business
- 602.9K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards


