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Mortgage free in Forever Home :-)

1143144146148149736

Comments

  • Your mum sounds like she's being fab, both in dad control and unexpected gifts!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • Lovely windows and lovely momma xx
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • badmemory
    badmemory Posts: 10,600 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper
    What a find!
  • That is a thing of beauty what a lovely gift for your mum 
  • KajiKita
    KajiKita Posts: 10,061 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Thanks @badmemory, @Tescodealqueen 😊 I am pretty chuffed with it 😊

    Currently roasting some of the squash and courgettes I also found at the farmers market yesterday, along with a red onion, garlic and the last of the tomatoes in the greenhouse, to be topped with halloumi for my lunch. The recipe I have found suggests removing the garlic cloves after the roasting and mushing them down into a dressing with balsamic vinegar - it will be interesting to see how that comes out. I have saved the seeds from the squash as I *think* they come true from seed so that will save me buying any of those to grow next year 😊

    I have harvested a decent amount of hazelnuts (there are so many this year the squirrels haven’t had chance to get to them all yet! 😉) and am sitting on the sofa very slowly cracking and eating them 😊 Very nice. 

    I have cleared a path to the bird feeder (rough weeding of patio and a bit of chopping back the contorted Hazel - hence how I spotted the nuts!) whilst Mr KK was chopping out to relocate a socket in the lounge (it would have ended up marooned behind our new radiator and making good the gap where the old one was along with putting up the rendering beads around the fireplace. 😊

    KK

    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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. 
  • KajiKita
    KajiKita Posts: 10,061 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Well the garlic dressing was okay, once I had thinned it down with some of the juices from the roasted veg. Enjoyed that 😊

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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. 
  • savingholmes
    savingholmes Posts: 29,178 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love your CS find.

    The hazelnuts sound a real win too
    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 17/4/26
  • KajiKita
    KajiKita Posts: 10,061 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Love your CS find.

    The hazelnuts sound a real win too
    😊
    The hazelnuts are slow work to extract, but the means you eat them more slowly! 😉

    Might go and do some blackberry picking this afternoon now that the sun is out - there were loads a while back but haven’t checked for a while. If there are I will turn those into a compote to have with yogurt 😊

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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. 
  • KajiKita
    KajiKita Posts: 10,061 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Got distracted by various bits of pruning and have embarked on the epic that is lifting the crown and bringing in the sides of the Contorted Hazel …. If you haven’t heard from me by tomorrow send help …..
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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. 
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