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Follow the Yellow Brick Road 2023

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  • KajiKita
    KajiKita Posts: 7,749 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Celebrating the £1K OP 🤩🎉🥳👏😊

    Hope the thinking helps. 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks Kajikita :smiley:  

    I'm glad we're OPing regularly at last, its got to be a priority now.  I had toyed with the idea of dropping my hours as I head towards retirement, but realistically that won't happen.  The aim at the moment is to have the mortgage paid off by my SPA - we'll know more about how achievable that is when we remortgage in the summer, but with a following wind we can just about do it.

    Its partly why I really need to get on top of this work thing.  There will always be bad bosses and bad situations, but I need to act/block/protect myself and play the game.

    I just read a post on fb that said 'people pleasing is manipulation dressed as kindness.  You're not nice, you're afraid of rejection.  Stop sacrificing your authenticity to control how others see you.'  Tough but probably true (savingholmes I think you wrote about telling the truth/saying no).

    The thinking has definitely helped, for the first time ever I can clearly see where being a people pleaser has probably come from.  Its the first step to resolving it.
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • KajiKita
    KajiKita Posts: 7,749 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    “ … for the first time ever I can clearly see where being a people pleaser has probably come from.”

    This is huge. Well done. 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    “ … for the first time ever I can clearly see where being a people pleaser has probably come from.”

    This is huge. Well done. 

    KK
    I agree - I'll PM you a book recommendation - she is also on youtube. I listened to her book... 

    Well done on the OP that's amazing.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 1 December 2024 at 12:47PM
    KajiKita said:
    “ … for the first time ever I can clearly see where being a people pleaser has probably come from.”

    This is huge. Well done. 

    KK
    I agree - I'll PM you a book recommendation - she is also on youtube. I listened to her book... 

    Well done on the OP that's amazing.
    Thank you both.  That youtube link is amazing!  I will look into the book and she has so many other youtube videos.  

    ps just looked at my mortgage online and the end date has come down another month - woohoo, long way to go still but these small wins (1 degree turns) will get us there.
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done  
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 15 December 2024 at 9:06PM
    Thanks @savingholmes, small steps towards an ever shrinking mortgage :smiley:

    Wish the same could be said about my waistline, although I am eating healthily, its just a bit too much, and not quite as much exercise as I need.  Working on that though.  

    I had planned to put the xmas lights up today, but got as far as checking the batteries.  I'd like to see a bit of sparkle so will make some time this week.


    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love xmas lights. I am having the same issue with my waistline.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 17 December 2024 at 6:32AM
    I love xmas lights. I am having the same issue with my waistline.
    Me too - they add a little heart warming twinkle don't they.  Although some of our neighbours' look like they are ready to land planes - lol.  Mine are just the battery type and they go on for a few hours when its dark and then off at bedtime.  They did have a timer on them to just come on for 6 hours at the same time every day, but seemed to malfunction and I can't find the instructions.

    Yes, waistline is a bit of a problem at the moment, although I've started walking a lot more again so will hopefully get back on the losing side.

    I need to check supplies for Christmas week, I wished I'd ordered in double of everything last month and then I wouldn't be worried about running out just at the start of the month/new year.  Makes note to self for next year.

    Edit - just thought about supplies for Christmas week, and the only thing we might run out of is cat food so have just placed an order for an extra box which will see us into the new year.
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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