We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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 :-)
Comments
-
Love this! 😻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.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 -
Always difficult to figure out the grace point between what you absolutely have to earn, what you'd like to earn to achieve all your goals, what hours you'd like to work, how you'd like to work them, and where the compromise point is between all of that.
I turned down a reduction in hours last year, and it was definitely the right call for me at that time for various reasons, but sometimes I wish I could find a way to earn FT money for PT hours so I can, as you say, be me a bit more and an exhausted puddle of a to-do list a bit less.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 20254 -
Love the concept of an exhausted puddle of a to-do list 🤣! I can definitely relate!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
Yup, me too. 🤷♀️😉South_coast said:Love the concept of an exhausted puddle of a to-do list 🤣! I can definitely relate!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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.2 -
Tried on clobber for the interview next week - all fits so no need to spend anything there.Got through a terrifying presentation this afternoon on Teams with my boss’s boss and the one above with various others at the same level. They all listened in ABSOLUTE silence and then my boss’s boss said lots of positive things. Feels to me like there is lots of politics swirling around the topic but they stated themselves to be happy so hey, it’s done! 🤷♀️😊
Clean bed sheets! Yaay!! 😊
£5.07 sent to OP from QM33 - getting desperately slow so trying Pr1me Op1nion …. we will see.Mr KK has skimmed a top coat on the scratch coat he put on last night so he can start the stone fireplace this weekend. It’s not smooth - he will sand it down to get it flat - but it’s free labour and we are not looking at grey breeze blocks any more! 😊❤️
KKAs 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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.6 -
ooh it looks great! well done
Glad your teams thing went well 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#latest2 -
I'm very impressed too KK. Glad the meeting went well too. Good you have decent interview wear. Did you chase up about the salary?LadyWithAPlan said:ooh it looks great! well done
Glad your teams thing went well
@South_coast Great turn of phrase.
@Merlin's_Beard Looking forward to when I can go part time too.
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 -
@savingholmes - i raised it as a concern with the recruiter as I didn’t want to waste their time next week if they can’t meet what I need, but she said just to continue with the process and if the CEO decides I am the right person he will find the money (I paraphrase a bit here but that was the gist of it). I would rather she had shared it with them before the second interview, as I think it misrepresents me somewhat to tell them when (if!) they make an offer, but hey, let’s see what happens 🤷♀️
KKAs 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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
Drumroll please …..!I
have
decluttered
my
underwear drawer!!! 😊🎉👏😂
Finally 😉
KKAs 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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
That definitely deserves a drumroll-well done!2
Confirm your email address to Create Threads and Reply
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