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.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Five Year Fix, Five Year Plan

18384858688

Comments

  • rtandon27
    rtandon27 Posts: 6,597 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    @Merlin's_Beard - the aligners definately make a difference for functionality! I'm doing the Sp@rks version to correct my bite. Due to seizures, my whole mouth moved badly over the course of a year and it's taking twice as long to move everything back. There was absolutely nothing like the feeling of joy the day I could bite into a slice of apple and chew it properly. Worth both the money and the discomfort!

    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)
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,709 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper

    This is absolutely the sort of thing that I want to aim for - I definitely have a weird bite right now and it would be great if my upper and lower incisors actually met instead of me tearing at stuff.

    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: 1,709 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper

    oh, I suppose this goes under crafts as well (I guess?) - the writing sample and pitch I sent off got rejected for the anthology but it was successful enough to get onto their mailing list and have other opportunities with them. This is never going to be a side hustle - but it does feel good to have wedged my foot in the door just a little bit.

    Doctors trip achieved for HRT - quite frustrating. Doctor pointing out that I am under 40 (thanks I'd noticed, but only by 10 months) that I'm already on combined hormone contraceptive (I know) so I shouldn't be perimenopausal (thanks but I am). I am getting a blood test though, to look for other issues (thyroid, diabetes, iron etc), and then we'll have a chat again. He was talking about antidepressants, so I'm not very hopeful of getting anything else.

    Currently listening to Project Hail Mary on audiobook - not my normal way. Definitely worth it even if my attention wanders and I'm having to listen to a lot of chapters twice over.

    Have also spent more money - have weaseled my way into the musicals subgroup of the board game group as well as the book club subgroup, so I'm off to see something with 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: +1
  • KajiKita
    KajiKita Posts: 9,858 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    Maybe suggest to the GP that you come off the pill and in a couple of months test your actual hormone levels …! These GPs that don't accept the patient’s lived experience and resort to antidepressants infuriate me!!

    Well done for the writing - that’s a cheering and encouraging response 😊 Did they give you any constructive feedback on why your piece didn’t make the anthology? It might be a style thing rather than a quality of writing thing?

    Oh and if you were ever to come here, you would be quietly astounded by quite how many books Mr KK and I have shoehorned into a fairly small house between us … 😉😂

    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. 
  • KajiKita
    KajiKita Posts: 9,858 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    Sorry for the slow response - didn't see that you had replied to me.

    Crossing my fingers for the feedback on writing 2! 😊

    Very well done on standing your ground (literally!) on the shed location - it's your garden and your shed, you want it where you want it - their opinion shouldn't come into it! .😉

    Have you had any FB on the blood test results?

    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. 
  • rtandon27
    rtandon27 Posts: 6,597 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    @Merlin's_Beard - agree 100% with KK - the shed goes where you want it, not where they want 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)
  • beanielou
    beanielou Posts: 99,010 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Your shed to be where you want it & not them!

    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,709 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper

    Had my doctors appointment to talk through my blood results yesterday - got the registrar which meant a) he was running way behind and b) he was very thorough and by the book (my bloods were incredibly unexciting).

    Current plan is: off hormonal bc for 12 weeks, then test my FSH levels, then test them 6 weeks later. That will let us know whether I am in very premature menopause (unlikely) or just perimenopausal (more likely). To a certain extent the difference is academic to me - the end result of both is hopefully I get to try HRT, but he thinks it's important to test. In the meantime I go onto venlafaxine to control the symptoms now they've taken my fake hormones away as long as I can tolerate it.

    I did brave asking my mum about how old she was when symptoms started - "I was busy having primary school children I didn't have time to worry about me, and your grandma didn't believe in having problems". This is pretty much what I expected to be honest!

    I did brave the outside (in the evening!) and go see Project Hail Mary at the cinema - I read the book this month, and so so good. Exactly my kind of thing, very human in a super satisfying way.

    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247.1K Work, Benefits & Business
  • 603.7K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.