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Five Year Fix, Five Year Plan

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Comments

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,689 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper

    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: +1
  • South_coast
    South_coast Posts: 6,268 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic

    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!!!
  • KajiKita
    KajiKita Posts: 9,528 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    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. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,689 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper

    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: +1
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,689 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper

    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: +1
  • KajiKita
    KajiKita Posts: 9,528 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    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. 
  • rtandon27
    rtandon27 Posts: 6,460 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    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)
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