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Mortgage free in Forever Home :-)
Comments
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Would it help if whilst you are busy tonight and tomorrow if Mr. K put away his things from the dining table?Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
Howling at your dad's email. Perseverance through fire, there.
Re the dining table, either get Mr KK to do it, or leave it. No one ever died of a messy dining room table.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
KajiKita said:Have almost a boot’s worth of stuff to shift. I’m feeling slightly bad about the fact that I will just give it to a charity shop as I look at it and see value in it, but realistically I really don’t have the time or energy to organise selling and shipping it ….
KKDON'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#latest2 -
I have had the hall decorated.
On the coat stand there were something like 11 scarfs & I could only tell you when I last wore one!!
So off to the CH I think!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.3 -
@Baileys_Babe it’s not Mr KK’s stuff in the dining table, it’s mine! Largely because I can’t use my large bookcase in the the living room because of building works. I have straightened the muddle a bit! 😊
@Merlin's_Beard - my dad is definitely a ‘character’ ….
@LadyWithAPlan - thank you for that. You’re right, my time is more precious to me.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: £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.3 -
Ordered the big bit of kit in work that the site has needed for 20+ years today. I have been lauded in the R&D’s weekly management meeting (totally detached team that were behind a locked door when I first arrived on site!) and I *finally* have the feeling that I have achieved something constructive in the role after 18 months of drowning and firefighting!Had an acceptance from a candidate today - he’s happy, I’m happy 😊
Counselling was interesting but tiring. Shattered now but as I was driving home I realised that the MSE site has changed a lot in my life, not just financially.
KKAs 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: £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.5 -
Congratulations on work achievements! 😊
Nice reflection on MSE 😊 I feel the same! What has changed for you?2 -
Cheery_Daff said:Congratulations on work achievements! 😊
Nice reflection on MSE 😊 I feel the same! What has changed for you?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.2 -
Glad the MSE site is helping you. I find it a huge source of support.
Best of luck with the dining table. Be kind to you - the building works won't last forever - plenty of time to sort it when you can put things back where they are supposed to be.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 29/7/251 -
@Cheery_Daff, that will take some thought, but it’s along the lines of increased:
confidence,
self ownership,
security (that back of the head buzzing worry about being in debt / having no savings isn’t gone but it’s way less now),
support to be allowed to talk honestly about the unmentionable (money and finances) in a place that doesn’t judge,
the generosity of posters to advise, share ideas and hard learnings, encourage etc.
I think it has spilled across into my work and vice versa, as both in parallel in my latest role have been about taking an almighty mess (the job more than my finances thankfully!) and slowly, step by step, straightening it out, resourcing it, organising it, setting strategy(ies), mini projects and milestones along the way (I remember my first OP was tiny - less than £10, but felt so good).
I suppose I feel less a leaf in the wind with no control and more like I own my life, if that makes sense? I’m doing things this year, increment by increment that I have never even considered before, such as aiming for reading 52 books in a year - I set myself that target honestly not knowing if it was even possible - I am well on track and I am enjoying doing it. My craft room has come out seeing people crafting and then wondering why am I living with this horrible mess in my-not-spare-room-dumping-ground etc.
KKAs 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: £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.4
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