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  • FIRST POST
    • fatrab
    • By fatrab 2nd Jan 18, 9:22 AM
    • 746Posts
    • 1,591Thanks
    fatrab
    My 5 year plan
    • #1
    • 2nd Jan 18, 9:22 AM
    My 5 year plan 2nd Jan 18 at 9:22 AM
    Happy new year!

    I made a thread at the end of last year in the DFW section (http://forums.moneysavingexpert.com/showthread.php?t=5756197) because of a few silly financial decisions I made in the past year and wanted to set them straight. As part of that I made a spending diary for week and realised how much more I was spending than what I though I was.

    So I promised 2018 was going to be different and that I'd make a thread here to set my goals and note down any achievements!

    My 5 year plan looks like this:

    Year 1 Timeline (2018):
    Jan - Pay HMRC - 1017 - PAID 25/01/18 (page 5)
    Feb - Pay off credit card 1 - 978.80 - PAID 28/02/18 (page 12)
    March - Build up 2000 safety fund - ACHIEVED 12/03/18 (page 14)
    May - Tax rebate
    June - Remortgage
    July - Pay home insurance IN FULL
    July - Cancel mobile contract for tablet - CANCELLED 27/03/18 (page 16)
    September - Pay TV licence IN FULL
    October - Pay car insurance IN FULL
    October - Pay car tax (big car) IN FULL
    October - Cancel my mobile - CANCELLED 20/04/18 (page 19)
    October - Renegotiate TV/Broadband/Phone package
    Throughout year - Overpay car finance - 2152.54 overpaid so far

    Year 2:
    January - Cancel Mrs' mobile
    Pay off car finance
    Pay off loan
    Continue to build up the safety fund

    Year 3:
    Pay off credit card 2 (currently on 0% deal)
    Overpay mortgage if possible

    Years 4 & 5:
    Overpay mortgage. I have 7 years and 5 months remaining at the moment but I have been making regular overpayments and I'm due to re-mortgage in October at the end of a 5 year fix.
    At the end of year 5 have enough money saved to pay any outstanding balance on the mortgage.

    Obviously as each debt is paid off I'll have extra to pay to the next debt, this is where I'll struggle. It'll take a lot of commitment and focus not to go bananas with any spare cash but I'm 43 and want to be debt free by 50. I can do this in 5 years. Debt free by 48 would be amazing!

    Wish me luck!

    Robert

    NOTE: Due to a malicious attack some diaries disappeared and this was one of them. I started a new one, but the nice people at MSE towers managed to recover my original one and they're now merged, from page 6 onwards.

    From April 2018 onwards:
    Statement of Affairs and Personal Balance Sheet
    Household Information

    Number of adults in household........... 2
    Number of children in household......... 1
    Number of cars owned.................... 2
    Monthly Income Details

    Monthly income after tax................ 3408.63
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 170
    Total monthly income.................... 3578.63

    Monthly Expense Details

    Mortgage................................ 800.3
    Secured/HP loan repayments.............. 402
    Rent.................................... 250
    Management charge (leasehold property).. 0
    Council tax............................. 139
    Electricity............................. 37.27
    Gas..................................... 40
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 10
    Mobile phone............................ 72.46
    TV Licence.............................. 13
    Satellite/Cable TV...................... 14
    Internet Services....................... 10
    Groceries etc. ......................... 100
    Clothing................................ 0
    Petrol/diesel........................... 160
    Road tax................................ 43.5
    Car Insurance........................... 34.21
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 12.94
    Contents insurance...................... 0
    Life assurance ......................... 6.81
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    Netflix................................. 5.99
    Total monthly expenses.................. 2151.48


    Assets

    Cash.................................... 3500
    House value (Gross)..................... 128000
    Shares and bonds........................ 0
    Car(s).................................. 25500
    Other assets............................ 0
    Total Assets............................ 157000


    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 63466.6..(800.3)....3.14
    Hire Purchase (HP) debt ...... 15848....(402)......6.9
    Total secured & HP debts...... 79314.6...-.........-

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Loan...........................5724.83...166.3.... .3.1
    Tesco C.Card...................3740......110.......0
    Total unsecured debts..........9464.83...276.3.....-


    Monthly Budget Summary

    Total monthly income.................... 3,578.63
    Expenses (including HP & secured debts). 2,151.48
    Available for debt repayments........... 1,427.15
    Monthly UNsecured debt repayments....... 276.3
    Amount left after debt repayments....... 1,150.85

    Personal Balance Sheet Summary
    Total assets (things you own)........... 157,000
    Total HP & Secured debt................. -79,314.6
    Total Unsecured debt.................... -9,464.83
    Net Assets.............................. 68,220.57

    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    Last edited by fatrab; Today at 8:23 AM.
Page 10
    • enthusiasticsaver
    • By enthusiasticsaver 8th Feb 18, 10:28 AM
    • 6,264 Posts
    • 12,412 Thanks
    enthusiasticsaver
    Diaries merged
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • fatrab
    • By fatrab 9th Feb 18, 7:25 AM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    Official weigh in this morning, 16st 4lbs - another pound off! If I can get out of the 16's by the end of Feb I'll be delighted.

    On the money front, not lot to report really. Mrs fatrab's return to work interview didn't go well as her manager wasn't prepared, even though it had been arranged for over a month. Frustrating, but we're still hopeful that everything will be in place for her to return on 2nd April.

    Hoping for an NSD today but I'm in head office and traditionally that involves some sort of eating out at lunch time. I didn't bring a lot of food with me but enough to get by, so if I do end up buying anything it will be minimal. But this will blow a few of my goals for the month so I'm going to try my best to resist.

    Looking forward to the weekend, spend some quality time with baby, cook some nice healthy meals and relax. I've also got both our cars to clean and the advert to write for Mrs' car.

    Happy Friday!
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • Purplemumof2
    • By Purplemumof2 9th Feb 18, 8:13 AM
    • 6,021 Posts
    • 21,993 Thanks
    Purplemumof2
    Well done on the weight loss, you're doing great.

    Fingers crossed that MrsF gets to start back ok.

    Have a great day x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6500.00 Cap 1: 417.28 BC: 8224.59 (temporary)
    AFD xxx LTW 14/16
    POAMAYC 2018 #041 PD 3790.84/7000
    Savings for Christmas 131.00/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • doingitanyway
    • By doingitanyway 9th Feb 18, 8:52 AM
    • 2,898 Posts
    • 14,111 Thanks
    doingitanyway
    You are doing great on the weight loss
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • JoJoC
    • By JoJoC 9th Feb 18, 11:40 AM
    • 1,664 Posts
    • 6,062 Thanks
    JoJoC
    Brilliant on the weight loss front! Well done!

    I know the feeling about the temptation/ peer pressure to eat out when with work colleagues. When I work in the office, there's always someone saying we should go out for lunch and I always feel bad as I'm not in the office all that often.

    Good luck with selling your Mrs' car.
    CC1: 4601.14/ 5031.14 (10% paid off, 480) | CC2:3407/ 3807 (12% paid off, 450) | Loan: 10,788.72/ 15,000((28% paid off, 4211.28))

    July debt total: 23,838.14 | New debt total: 18,796.86 | Total debt paid: 5,141.28 (22%)
    *My debt busting and savings diary*
    • fatrab
    • By fatrab 9th Feb 18, 12:29 PM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    ** Confession Time **

    I caved. I had a bacon roll for breakfast. Normally I'd have had 2 rolls or a full fry up, a cake and a can of cola so I have definitely improved, but this means my TAFD target is shattered.

    I'm not going to sit here and tell you that I didn't enjoy it, it was delicious, but oh the guilt!!!!

    (dusts self off and gets back on horse)

    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • JoJoC
    • By JoJoC 9th Feb 18, 12:50 PM
    • 1,664 Posts
    • 6,062 Thanks
    JoJoC
    Definitely get back on that horse!

    To be honest, i think it's unrealistic to go cold turkey on these things and i always think it's good to allow yourself a treat now and again. A 2 bacon roll could have instead been a 20 takeaway and a bottle of wine or similar - both financially and weight loss damaging, so i think you can definitely draw a line under the bacon roll and start again.
    CC1: 4601.14/ 5031.14 (10% paid off, 480) | CC2:3407/ 3807 (12% paid off, 450) | Loan: 10,788.72/ 15,000((28% paid off, 4211.28))

    July debt total: 23,838.14 | New debt total: 18,796.86 | Total debt paid: 5,141.28 (22%)
    *My debt busting and savings diary*
    • mej24
    • By mej24 11th Feb 18, 1:47 PM
    • 190 Posts
    • 136 Thanks
    mej24
    Congratulations on your weight loss, thats a great result so far. I started a new simple eating & exercise plan at the start of this month at the same starting weight as you (17st 7lb), and I'll be extremely happy if my results are half as good as yours.

    Well done
    • fatrab
    • By fatrab 11th Feb 18, 4:16 PM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    Thanks, it has not been easy. Years of eating junk and drinking like a fish not only took their toll on my weight but also my mindset. I used to love cooking but convenience foods just became the norm.


    Apart from cooking actual meals and cutting out the booze, the only real change I've made is my eating times. I'm sticking to the 16:8 intermittent fasting plan, where you eat 3 meals over an 8 hour period then don't have anything for 16 hours. So I have breakfast at around 10am then my last meal at 6pm. I've also cut down on carbs like white bread and potatoes but I've still been having the occasional snack so I'm pretty surprised at the results so far tbh.


    I'm cutting out sugar this week which is going to be hard. I'm quite partial to a slice of brown toast and jam or an occasional bar of chocolate (maybe once per week) and I have 2 sugars in my tea. Wish me luck, I'm going to need it!


    This weeks stats:


    Fuel 64%
    Chiropractor 25%
    Eating out 3%
    Travel 3%
    Snacking 3%
    Shopping 2%


    My shopping was so low this week as Mrs fatrab had almost everything already bought in and we pretty much cleared the cupboards, freezer and fridge!


    Hope you all had a great weekend!
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • doingitanyway
    • By doingitanyway 11th Feb 18, 4:54 PM
    • 2,898 Posts
    • 14,111 Thanks
    doingitanyway
    I like the 16:8 works for me when I am organised. There is a good book called the blood sugar diet by Michael Moseley. Going to order it from the library but it is basically what you are doing in a round about fashion. Good luck.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Honeysucklelou2
    • By Honeysucklelou2 12th Feb 18, 1:07 AM
    • 796 Posts
    • 3,188 Thanks
    Honeysucklelou2
    Just caught up on your diary. Well done on the debt busting and weight loss so far.

    Will you have nursery fees to factor in when Mrs Fatrab goes back to work? Childcare, I have discovered, can be a huge monthly cost.
    paydbx #93 642/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
    • fatrab
    • By fatrab 12th Feb 18, 11:10 AM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    Just caught up on your diary. Well done on the debt busting and weight loss so far.

    Will you have nursery fees to factor in when Mrs Fatrab goes back to work? Childcare, I have discovered, can be a huge monthly cost.
    Originally posted by Honeysucklelou2
    Thanks!


    We're in a very fortunate position where my wife's mother recently took early retirement, lives in the next street from us, drives and is still very fit and able to look after the baby. My wife is going back to work for 3 days per week so her mum will watch the wee one in the mornings and he'll go into nursery in the afternoons on the days that she's working. My wife's office is 5 minutes drive from home, the nursery is 5 minutes walk away from our house and my mother also only lives 5 minutes walk from the nursery so logistically things couldn't be better!


    This will cost 72/week but my wife will be paying this mostly through childcare vouchers.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 12th Feb 18, 11:27 AM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    I got caught out this morning.

    On my way to work the A9 was closed due to an accident and there was no alternative route to take. So I stopped at the first available rest area which was a truck stop.

    A small breakfast and a cup of tea was 7.20. 7.20!!!! and it was awful.

    The road was closed for about 2 hours but when we got past the accident both cars were fairly intact so hopefully nobody was seriously hurt.
    Last edited by fatrab; 12-02-2018 at 11:31 AM.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • Purplemumof2
    • By Purplemumof2 12th Feb 18, 11:52 AM
    • 6,021 Posts
    • 21,993 Thanks
    Purplemumof2
    Good to see that you've got things covered with regard to childcare, it can get very expensive.

    Ouch to the 7.20

    Hope the rest of today isn't too bad x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6500.00 Cap 1: 417.28 BC: 8224.59 (temporary)
    AFD xxx LTW 14/16
    POAMAYC 2018 #041 PD 3790.84/7000
    Savings for Christmas 131.00/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • fatrab
    • By fatrab 12th Feb 18, 12:01 PM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    Have lunch with me for next 2 days and big bag of porridge for breakfasts. Just need to pop to Lidl for some dinners. It's going to be a cheap and healthy week following this morning's blip.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 13th Feb 18, 10:43 AM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    Who the heck thought it was a good idea to have pancake day right in the middle of my diet??? So much for cutting out the sugar this week, 3 pancakes with jam devoured already this morning!

    I think it's safe to say the diet has slipped over the past 5 days. I think I'll finish work early today and go for a nice wintery walk along the beach while it's still daylight, and try to get into the habit of doing that most of the nights that I'm away from home if possible. Have been going long walks with Mrs fatrab and the pram at weekends (should really start taking the baby too hahaha).

    It's less than 2 weeks til payday so the countdown is on for the next step of the plan. Once my MBNA card is gone I can start to focus on the other debts. Still unsure what order I'm going to tackle them and I suppose it depends on whether Mrs' car sells quickly or not, and whether or not it sells for what it's worth.

    Car Finance:
    6.9% - 18500 - general advice is to pay off highest interest debts first so this would mean paying off my car first. That's the advice I would give to anyone else in my situation. However, I get paid car allowance which covers the monthly payments for the car finance so this isn't a debt which niggles at me.
    Mortgage:
    3.14% - 65000 - due to re-mortgage in September but I haven't made any overpayments this year, by Sept I will owe 60000, but I could reduce this further possibly the full 10% - 6500 - by overpaying between now and September.
    Bank Loan:
    3.1% - 6000 - could be pretty much cleared from the sale of Mrs' car but would the money be better paid off higher interest rate debt first?
    Credit Card:
    0% - 4000 - 36 months interest free and the minimum payment is set at 110 so it'll be completely cleared at the end of the term. No point paying this off.

    I'm going to have a play around with snowball & mortgage calculators and see what the figures look like.
    Last edited by fatrab; 13-02-2018 at 12:07 PM.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 13th Feb 18, 11:38 AM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    Paying off the highest interest debt first makes sense all round. It's only a difference of a few hundred quid but I'd rather have that in my pocket than in the finance company's.

    So a slight modification to my plan is required. From March, I'm going to pay 100 into the emergency fund and the remaining surplus and any extra monies (tax rebate/sale of wife's car) to my car finance each month.

    Continual improvement and constant re-evaluation are worthwhile in this money saving malarkey! It's really easy to take your eye off the ball for a split second and make a silly, costly mistake.
    Last edited by fatrab; 13-02-2018 at 12:07 PM.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • enthusiasticsaver
    • By enthusiasticsaver 13th Feb 18, 1:26 PM
    • 6,264 Posts
    • 12,412 Thanks
    enthusiasticsaver
    I still think it is worth overpaying the car loan as it is your most expensive debt and a high balance. Even if it is covered by your car allowance presumably that allowance is also to cover running costs so getting rid of the loan ASAP gives you more in your pocket eventually and puts you in a better position re the next car. Ideally you should eventually move to a car pot where you save not only for maintenance, car tax and insurance but also for a replacement when it has outlived its reliable life.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • enthusiasticsaver
    • By enthusiasticsaver 13th Feb 18, 1:27 PM
    • 6,264 Posts
    • 12,412 Thanks
    enthusiasticsaver
    Just seen you already decided to go that way. Sensible move.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • fatrab
    • By fatrab 13th Feb 18, 2:23 PM
    • 746 Posts
    • 1,591 Thanks
    fatrab
    Part of the long term plan towards semi-retirement involves me getting a job closer to home and not needing a car for work at all, which will be nice. I don't want to be travelling all over the country for work when I'm in my 60s. There will be no future HP or willy-nilly borrowing for cars, that's what got me into this mess in the first place!

    How I got to where I am today.
    I ordered a brand new car in July 2012 and loaded it up with optional extras totalling just under 30,000 all in. It arrived in Feb 2013. 12 months later I'd spent a small fortune on aftermarket modifications and "enhancements" but unfortunately in Feb 2014 the car developed a serious fault. I had to return the car to it's original specification before I could claim under warranty. The car broke down a subsequent 4 times over the following 6 months and ended up having a replacement engine. By that time I'd lost faith in the car, ended up selling it, and was 18000 out of pocket (depreciation, cost of modifying and un-modifying the car). I sold the aftermarket parts and recovered around 3000.

    I'd paid the deposit for the car (5000) on a 0% spending card and paid for the modifications on credit cards too, with every best intention of paying them off on time before the 0% deals ended. But then the problems and additional costs came rolling in.

    In amongst all of this we got married (Aug 2013) but most of the wedding costs were covered by gifts from parents, and we didn't have an overly extravagant wedding. We got a package from a nearby hotel for just under 5000 all in, which included cars, cakes, piper, the lot. The honeymoon was 2000 and that also went onto the credit card.

    Since then I've been having ups and downs financially. I ran an older car for a while until I got back on my feet, then bought another new car, ran it for a few months and sold it for a profit (luckily) then went back to a 5 year old car which was very economical and cheap to run. Sold it last year and hardly lost a penny on it, again luckily. I then bought the current car, which in hindsight is the car I should have bought back in 2013 as it's more suited to my needs and is perfect as it is without any modifications or upgrades. And was a lot less than 30k!

    So I've spent the past 3 years paying down the debt to a certain level, then buying something else, or going on holidays 3 times a year, spending to make myself feel better, but I've been relatively sensible about it by avoiding interest through balance transfers. Apart from the balance transfer fees I don't think I've paid a penny on interest on all of that debt. It just got to the stage that the debt needed to be gone and I needed to change my ways. Light Bulb Moment December 2017!!

    I've got 4000 left of the old debt. All my other debt is for the cars or the house, I've got something to show for what I'm paying and they're at sensible rates of interest.

    I will never be in that situation ever again.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 16/21 NSD - 17/20 Lunches - 23/28 AFD - 23/31 TAFD (take away free days)
    31 x 2 coins (#32)
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