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Follow the Yellow Brick Road 2023

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  • SandyShores
    SandyShores Posts: 2,005 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Just had to post to say I am stuck on my ToDo List.  I have one action that I should be focussing on and I'm avoiding it.  I need to eat that frog, because there is a whole A4 sheet of them!  And I don't feel I can do my craft stuff until I've eaten a few.  
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • South_coast
    South_coast Posts: 6,044 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I can naively sympathise with that one!!! What I will say though, is that once I've got on and done it, it never feels that bad and I wonder why I put it off for so long 🤷‍♀️
    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!!!
  • SandyShores
    SandyShores Posts: 2,005 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I can naively sympathise with that one!!! What I will say though, is that once I've got on and done it, it never feels that bad and I wonder why I put it off for so long 🤷‍♀️
    Glad its not just me South_coast.  I think I'm always anticipating difficulties so I put it off.  But sometimes you just have to get over that barrier and do it, and it never turns out as bad.  It feels worse having it there to do.  Right, I'll do my best. :smile:
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • South_coast
    South_coast Posts: 6,044 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    And I will do my best to proof-read in future - naively sympathise, honestly....🤦‍♀️
    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!!!
  • SandyShores
    SandyShores Posts: 2,005 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    And I will do my best to proof-read in future - naively sympathise, honestly....🤦‍♀️
    Well a quick look on the tinterweb and I found a book called Taking Confucian Ethics Seriously and Chapter 7 is titled Is Sympathy Naive.  

    Haven't read it but perhaps you have and forgot :smile:
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well good luck with the to do list... Mine just keeps growing. I've learned not to list as many things so I don't become overwhelmed but still... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • KajiKita
    KajiKita Posts: 8,558 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Did you get it done? 
    I had a task like this recently - working out our new budget after me leaving work …. Totally tapped my fight-flight response ….
    I got past it by thinking about it in chunks. 
    What the steps needed to be. 
    I did 20 minutes on it one day and got stuck …. Left it …. 
    Wandered about doing other things and realised that I needed to come at it from a different angle. 
    I did that and it started to flow - I have now even been able to justify to Mr KK contributing as much as me to the joint account and I have clarity on us being able to survive on a reduced salary for me, which is probably a more realistic figure to aim for - it was that, that was ‘tapping’ my fear and being a complete block for me …

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • SandyShores
    SandyShores Posts: 2,005 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks savingholmes, my list is now on one A4 piece of paper, but the tasks are not 5 minute tasks so I'm getting stuck.  Good call about breaking it into chunks Kajikita.  I'm glad you have managed to get past your blocker.  Its such a relief when that happens.  I tend to freeze when I'm faced with a slightly difficult task, I'm not sure why as I'm a fairly practical person.  Give me someone else's problem and I'm sleeves up and tackling it step by step.  I'd love to understand the psycho analysis behind it.  No, I haven't done that task but tomorrow I have a day free and will first set out a plan and then do it step by step.  My job is a planner/doer so I just need to apply that don't I.  :smiley::smiley:
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • KajiKita
    KajiKita Posts: 8,558 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 6 October 2024 at 6:47AM
    Well I have another of ‘those jobs’ that I need to do … (updating my CV) which is weighing on my mind, so although I was going to give myself two weeks off completely I think I will start it in the coming week, especially as the forecast is naff! I will aim to get that and my statement to go with the green ring on LI done before I go on holiday, so they are both ready to use when I get home from holiday. 

    We will be ‘chunking’ together 😊 (that will sound so bad to strangers coming across this thread ….! 😉😂) I hope your chunking goes well 😊

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • SandyShores
    SandyShores Posts: 2,005 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    KajiKita said:
    Well I have another of ‘those jobs’ that I need to do … (updating my CV) which is weighing on my mind, so although I was going to give myself two weeks off completely I think I will start it in the coming week, especially as the forecast is naff! I will aim to get that and my statement to go with the green ring on LI done before I go on holiday, so they are both ready to use when I get home from holiday. 

    We will be ‘chunking’ together 😊 (that will sound so bad to strangers coming across this thread ….! 😉😂) I hope your chunking goes well 😊

    KK
    Hope you managing to get chunking.  I've been a bit quiet as not much chunking was going on here.  Then I picked up a pen and paper this morning and broke it down into 'chunks'.  Returned to it this evening and tackled each chunk with the help of the tinterweb and AI.  The final chunk is to check things through with MrShores and then press the button.  Woohoo!  That's gone really well :
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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