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Mortgage free in Forever Home :-)
Comments
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Have emailed the recruiter about the salary levels - let’s see what she comes back with. 🤷♀️
After looking at the pre employment screening I will wait until she comes back to me before starting - it’s war and peace!
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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 -
Well done on the savings.
Just so you know MSE have a salary calculator too - it's what I use to play around with pension options.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251 -
Eek to the war and peace - definitely need to know it's worth the effort before doing that kind of application.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251 -
Well done on getting the insurance sorted out and paying up front.
Good luck with the recruiter!Mortgage OP 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £20
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Security processes stage 1 complete ….No progress on much else after a 11 hour day (including commute) largely focused on a full day of CMIOSH training. Tired now. Might manage 1 drawer when I go up for a shower, might not …
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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 -
I think you have to decide as well what value you place on your time, commute time and well being. I wouldn't trade my daily trip over the cats commute down the stairs for 9am switch on for anything less than at least four chubby new ginger kittens.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo4 -
You are right, but we have a substantial mortgage and I am the main wage earner here ….redofromstart said:I think you have to decide as well what value you place on your time, commute time and well being. I wouldn't trade my daily trip over the cats commute down the stairs for 9am switch on for anything less than at least four chubby new ginger kittens.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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 -
I know, mr Redo says the same about his hated working years. 'Why didn't you say' 'we had a mortgage' it's unanswerable really.
whereas I am on 'would all 4 be Ginger, maybe a nice tabby and a long haired black tuxedo' and 'but what would I call them?'
My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
😂😊 You make me chuckle.redofromstart said:I know, mr Redo says the same about his hated working years. 'Why didn't you say' 'we had a mortgage' it's unanswerable really.
whereas I am on 'would all 4 be Ginger, maybe a nice tabby if a long haired black tuxedo' and 'but what would I call them?'
I’m not hating work (thankfully) - there just isn’t enough time or mental energy left for me to be fully me ….
When are the kittens coming then?? 😂😂😂😂😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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 -
Sorted another drawer … 😊 But don’t be impressed …. it was my trousers and leggings drawer so an easy one. Be impressed when I brave my underwear drawer! 😂
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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
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