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Five Year Fix, Five Year Plan
Comments
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If anyone has recommendations about where to buy sheds from, I'll take them
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 -
That was a very productive and progress-made post! 😊
If you were round here I would direct you to either one of the local timber yards. They often have sheds and they are good quality. I would avoid the thin tin ones - they buckle if you sneeze too hard on them and they can be cut into with a Stanley knife …
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 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.4 -
I've bought a shed! Local company, good reviews. It should arrive in about 3-4 weeks, delivery dates pending.
Also changed over my credit card to one that should yield more cashback over time.
And booked an opticians appointment.
Feel like that's enough of being a grownup for one day.
Still on my week off job lists
- clean litter trays
- paint samples for the main bedroom and both bathrooms? (this depends on me figuring out what the heck colour I want)
- IPL legs (about 3 months overdue)
- mop floors
- order bird food for the feeder in an attempt to lure the birds back
- frame some art I bought at craft markets
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 -
Well done for finding a shed you like 👏😊
Some of the remaining tasks are easier than others … I always struggle with colours for rooms too …
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 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 hope you spent the rest of your day in red wellies splashing in puddles! The most joy non-non-adult thing I can think of!
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)3 -
If there's one I don't get done, it will definitely be that one. I have NO idea what I want for it.
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 -
Got myself into a right tizzy with the shed and whether I'd made the right choice - have spoken to the guy at the place and got things altered a little bit (my 6x4' is now going to be a 6x3'6" to fit into where it needs to be).
Also booked myself in at the doctors to discuss HRT in a few weeks, after going through their convoluted and insane system (apply online with your symptoms, they contact you back, you then have to go through the online booking portal daily until an appointment pops up that you can do - I love an online booking appointment that I can sort out whenever but also it has to be a simpler way than this!) The physical symptoms and the mental are adding up to look like a perimenopause and honestly, I don't like it.
For saying that I work compressed hours to have a day off a week, the next time I don't have anything booked on a Tuesday is the end of March!
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 -
Also been and had an invisalign consult, now I have to decide whether to go ahead. Made it very clear that I wanted more of a functional fix rather than perfection (I have teeth I struggle to keep clean because they're overcrowded, I also have teeth that rub on every mouth ulcer I get because they're angled) and the dentist seemed to take all of that in.
Offered a quote of 14 weeks and £3500 for the treatment + £600 for retainers, which is sort of what I was expecting.
It's doable financially (it will come out of the new car pot, but the new car definitely won't happen until after September when I'm off the horrible pothole diversion if the work stays to plan, which gives me a bit of slack there), it's really a case of whether I want to do it.
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 -
Do it. It sounds like you'll get some real tangible benefits, with the helpful side effect of them looking better. And the sooner you do it, the longer you will have the benefit, and the better value for money it will become 😀!
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 -
Sounds like a plan.
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2
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