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Five Year Fix, Five Year Plan
Comments
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Tesco order didn't arrive on Friday - cancelled - the guy who did deliver this afternoon said a lot of people were off sick. However, it meant that Tesco gave me a £10 off voucher which brought me back into food budget for the month so we'll call that a win.
Spent a lot of money on the garden buying things - but I have scarified, aerated, dressed and reseeded the lawn this weekend after work. Fingers crossed the birds don't eat the seeds and that things grow. We'll see!
And cleaned the house through Sunday afternoon as well. Feeling completely knackered, but a productive weekend.
Having said that, magnesium is definitely helping me sleep. I had a bad night last night but it's the first in about two weeks. Next up on the list, going to try some creatine for the brain fog.
Threads arrived for cross stitch for a birthday gift that I will not finish in time, but I will get it done asap (crafts don't count if they're presents, right?) I'm sure at some point buying individual threads and material will become more economic than buying kits, and I just haven't reached that point yet (I've only done about three this way so most colours I'm having to buy)
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 -
New glasses needed… lots of money. The optician thinks I'm getting visual migraines as well (but without a debilitating headache, which I didn't know was possible).
Teeth appointment done too - just need to agree to the treatment plan, and then it's happening.
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 -
Yes lots of migraine happen without a headache, very weird if you are used to pounding pain
Dxx
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 2🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'4 -
I occasionally get the visual auras of a migraine without the headache, absolutely terrifying the first few times until I worked out what it was.
"You won't bloom until you're planted" - Graffiti spotted in Newcastle.
Always try to be nice, but never fail to be kind - Doctor Who
Total mortgage overpayments 2017 - 2024 - £8945.62!3 -
The first time it happened I thought I was going blind!
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 -
Can understand that ! I see the nexus in the sky (if u watch the star trek films you'll know what I mean) plus lost the ability to talk sensibly (although i could understand what people were saying to me) but I couldn't understand written things. Very scary
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 2🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'2 -
I get the kaleidoscope vision and sometimes the shakes. Also mega fatigue afterwards. No fun, you have my sympathy. Acupuncture and acupressure massage helped me a lot x
MFW: Journey started Nov 2025. Due to finish Nov 2053.
Mrs SD's 2026 Declutter Campaign: 🏅⭐️
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Yes the nexus is definitely a great way to describe it!
As far as mega fatigue goes @Ms_Potato_Head that's about my default state, especially when I'm stressed enough to get them so just because I haven't noticed it doesn't mean it's not happening.
I've agreed to the teeth plan. BIG money spending, hopefully worth 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: +17 -
From what you've said about how your teeth affect your day to day life, it sounds like it will make a huge difference to you and will be worth every penny.
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 78 books of target 52 in 2026 as @ 29th 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.4 -
Hope the new glasses and teeth treatment help. I invested a lot in my teeth in recent years and it really boosted my self-confidence.
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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