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Mortgage free in Forever Home :-)
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That beach looks gorgeous, so quiet too, bliss!Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30001 -
It’s a nice one. A bit off the beaten track which means that it is quiet, apart from the surfers! There is a good camp site there so there are toilets, outside showers, a good cafe etc. The ecology of the dunes behind the beach is stunning - I found wild harebells growing there one year. Yesterday there was some kind of wild stock that looked adapted to salty air but had that classic stocks scent ❤️ and a lovely vivid pink geranium that might have been wild or a garden escapee but looked stunning against the golden sand 🤩skint_spice said:That beach looks gorgeous, so quiet too, bliss!
KKAs 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 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.3 -
The beach looks lovely. Glad you got to meet up with a friend tooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/261 -
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 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.1 -
I actually slept last night!!! Not 100% - there was a bit of light waking and adjusting of cover and duvet - but didn’t actually have to get up at all last night. Oh it makes *such* a difference!!! 😊❤️🤩
Already warm here but fresher so I have the doors and windows open to get some air circulating before prodding Mr KK to get up so we can go over to Hay on Wye for the day. Then we are not cooking tonight as we are having our posh dinner date! 😊
As a side note - ‘giving up’ being vegan seems to have lifted a huge weight off me. A great slab of guilt for occasionally having milk in things and eating eggs has gone and it is already simplifying meals with mr KK - tomorrow night for example, to save full on cooking in the heat, we will be having mushroom and cheese omelette (he will have some chopped ham in his half), I don’t have to feel guilty about it and not a UPF in sight!And another nice thing - La Belle Floof seems to have gone back to eating. Not a huge amount, which I am putting down to the heat, but regularly. She is probably back up to two pouches a day again 😊
KKAs 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 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.5 -
Good news on the cat 🐱I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
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 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.2 -
Had a quite a self indulgent day today. We went to Hay on Wye, had a lovely lunch out, we both bought quite a few books and I bought some Violane earrings to go with a pendant I bought there before. Got home early enough to be be able to shower and chill out before going out for a stunning dinner! Finally feeling refreshed and mentally recharged and sustained for the next push at everything 😊
KKAs 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 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.3 -
After yesterday’s indulgences we don’t have any major plans for the weekend apart from two tip runs and refuelling my car!Sainsbugs will turn up shortly, I have the first wash in and have dragged out to the garden and given a good scrub to, two big house mats. One thing I must do today is sort my heap of books from yesterday into types and loosely, file accordingly.
KKAs 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 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.2 -
Glad you and the cat are nicely recovered. Hay on Wye is lovely.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
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 £5.3K updated 17/4/261
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