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Five Year Fix, Five Year Plan
Comments
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At least you have some sense of there being a plan now …
Glad you had a good time at the cinema 😊
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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 am recording my month end figures in my pensions but we are NOT looking at the totals or what they mean. Also not looking at what I've spent on fuel, either - it is what it is, and there's not a lot I can do about it!
Following through that thought by putting my washing out this morning then just as it was getting dry having it poured on and in fact making it wetter than when I put it out, so into the dryer it goes.
dreadful week at work = oops spending. the cake on the way home last night was WELL needed though.
Not got my medication from the pharmacy (the pharmacy didn't have it, two days in a row. Also after having done some googling, I'm questioning the wisdom of being put on a medication temporarily that is meant to be awful to come off of. If it takes me as long to come off as I'm going to spend on it, why am I doing it? And I know google brings the worst case scenarios, but the best case is a month-long wean for a drug I'm only hopefully on for 16 weeks?)
(Why can't this be simple?)
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 -
Is this medication the ADs? Tbh, I think I’d try and avoid them if you can, but it will depend on how you feel as you come of the pill. Maybe pick them up (as and when they ever have them in stock!) so you have them if you need them.
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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 -
@KajiKita yeah, this is the venlafaxine AD. I still haven't picked it up (haven't had time anyway)
Cat's petpl4n renewal has come through - she'll be 15 at the end of this year so this is starting to get spenny. Up by £100 over the year.(46 to 54 a month!)
For me this is really insurance against referral - I'm still lucky enough to get a reasonable discount through work, I have an emergency fund, and when the online pharmacies are cheaper I can at least just write my own prescriptions for her! I guess now, the question is, at what point does she get old enough that I wouldn't send her to referral or put her through an expensive op? At the minute - touch wood - she's as healthy as she was 10 years ago, so I feel like within reason I would. But it is something I need to think about if it keeps going up.
Have done astonishingly little over the course of the easter weekend - have just collapsed. The only thing I've managed is visiting parents, and I left there with a pile of my own stuff that I've just dumped in corners to sort out later.
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 -
Parents dumping your own cr*p back on you is the pits 🤣 Fortunately I've got to the end of all mine now, but it seemed to go on forever - I left it there for a reason....
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!!!5 -
My mum wants to
a) only give me things when I have finished the room she thinks they need to go into
and
b) clear out her house immediately.
The fact that I am spending money on things that isn't the house is IMMENSELY irritating to her because it ruins her plan, especially as she views it as frivolous spending that should be secondary to Serious Spending.
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 -
Got home at 8.20pm tonight, which I definitely will be claiming back as an hour of overtime. At least it can go into the new car fund!
ISA interest came in at the end of March, so I've added that into the NCF as well. It's also prompted me to change my ISA around - just within the provider, but it bumps my interest rate over 4%. Sitting in the expectation that I might need to withdraw from it to cover a) holiday balance and b) car I don't want to lock it away too much right now. I'll look again once those things have happened.
Another prompted thing - I'm looking after a friends rats later on in the year, so that's prompted me to look at the door that no longer aligns to latch properly. Have looked around on youtube and bought a dremel and the recommended bit and I'm hoping that minimal grinding at the plate will let it just slot into place, because it's only out by millimetres.
I was going to do that tonight but… no. I'm going to read a Murderbot book instead after I've eaten and go to bed.
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 -
Hi Merlin - I've tried the Venl…. one in the past and didn't get on with it. The only one that made a significant difference for me was Mirtazepine. I tried about 10!! Or it certainly felt like it. Something to consider…
Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20282 -
Ohh definitely something to keep in mind.
We've bargained me down to being on nothing, and doing testing at 8 weeks instead of 12, so just need to pick up the paperwork and book that.
So hopefully that means only 9-10 weeks more of this. 🤞 (but maybe another blood test afterwards)
Restarted Couch to 5k (again) - although I'm only managing one run a week at the minute because my days off are crammed with appointments. Trying to eat healthy (varying success). Taking supplements. Taking magnesium at night laced with valerian.
I need to mow the lawn again, and pull up some weeds. Maybe this is a weekend job.
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 -
One run a week is a lot better than me. Mowing the lawn and weeding will also burn lots of calories.
Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20282
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