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Five Year Fix, Five Year Plan

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Comments

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

    At least you have some sense of there being a plan now …

    Glad you had a good time at the cinema 😊

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

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

    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 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. 
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