📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage free in Forever Home :-)

1134135137139140637

Comments

  • beanielou
    beanielou Posts: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done on the filter.
    Mine needs done but I need to find the instructions.

    I still havent been to the skip  :(
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    I love watching the Dana K White videos but I need to follow through with some action 😂
    On really big jobs (like our conservatory) I start with one small job - removing one box, clearing one piece of furniture and then stop. I have a break and then as I wander past the area again, I deliberately notice the effect of the one area I have cleared - that generally incentivises me to do another bit and so on. I have learned to stop before it starts feeling chorey/heavy/dreary. 

    KK
    I tend to start with 15 minute bursts.
    For me it depends on how physical it is!
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Well done on the filter.
    Mine needs done but I need to find the instructions.

    I still havent been to the skip  :(
    I found the instructions on mine on a sticker when I opened it up to empty the collection chamber. 
    Might be there on yours or worth a Goggle if you know the make / model?

    Kk
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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. 
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    KajiKita said:
    I love watching the Dana K White videos but I need to follow through with some action 😂
    On really big jobs (like our conservatory) I start with one small job - removing one box, clearing one piece of furniture and then stop. I have a break and then as I wander past the area again, I deliberately notice the effect of the one area I have cleared - that generally incentivises me to do another bit and so on. I have learned to stop before it starts feeling chorey/heavy/dreary. 

    KK
    I tend to start with 15 minute bursts.
    For me it depends on how physical it is!
    I tried the 15 minutes thing but I often find I end up with jobs half done at 15 minutes, which I hate. I either walk away and the job is left half done (ugh!) or it becomes a slog if I carry on because I promised myself I would only do 15 minutes! (I know, I’m crazy, right! 😂)

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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. 
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Have emailed a possible garden contractor to possibly help with keeping the bindweed down in the veggie patch next year. This may be too way expensive an option, but I want at least to look at it as an option!

    Have also emailed the Japanese Knotweed contractor that the vendor appointed to see if they will be willing to issue a certificate to us for our land being clear of JKW this year. That would help significantly with the cost of the house insurance renewal that I need to start looking at. Almost 4 years since we moved here! 😳🤩❤️

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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. 
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Had a good first day back at work. Cleared my inbox - nothing too scary, my team have made good progress on many things in my absence, good OPs review with the scary French-Canadian divisional manager (team effort that one, but I am always last, so I now try to finish with a ‘good news’ improvement slide 😊)and I actually managed to knock over a couple of small tasks. Not bad for the first day back after a week off and a still sore head!

    Loads fresher and bit cooler here tonight, so have finished cleaning down the vacuum cleaner I started last night but I won’t reassemble it yet as I don’t think the filter is quite dry. Completed a new declaration of interests form for the Parish Council. Got the recycling out for the collection tomorrow and just about to start the tea-lunch-breakfast-all-at-once-prep! If I can get all that done before dinner, I can have a proper ‘evening off’ as all my chores will be done ….

    KK


    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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. 
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    £1.31 received from TCB - OP
    12p TT of joint account - OP.
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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. 
  • Well done on the tip run and decluttering. I don't know where you find the energy for the PC but they need good people so well done you.

    I found DKW's book really good on decluttering - particularly listening to it on audible. She helped me make the final push with my house to get it sale ready. I listened while doing to help motivate myself. I think I also used pictures in my head of my ideal holiday cottage scenario to try and get the amount of stuff I retained visibly at least to a holiday cottage level. I'm getting my cleaner to help with the continued thinning out - and in a milestone for me didn't check what she chucked last week.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Well done on the decluttering! 
    I love those SS shows where they put all your stuff in a warehouse ! 
    I am away on an unexpected but fun business trip so only have a small suitcase .. amazing how I manage without loads of stuff
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.