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Mortgage free in Forever Home :-)
Comments
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Thank you 😊penny_less said:That definitely deserves a drumroll-well done!
I know it’s a bit silly, but it has been crammed with stuff I don’t wear for aaaages and has been genuinely bugging me! I have put a big bag of stuff in the bin and put half again in a bag for charity (including some bras with the tags still on and packs of tights that I will never wear again - hate tights!).Feels really good to have got decluttering started for the weekend 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Woohoo
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 -
Well done on the decluttering and the CS donations.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Woken up, yet again, feeling sickly (more cold symptoms). Getting really fed up with this - every time I have a break (week off or weekend) I am getting sick. I was talking to Mr KK last night about the interview next week / possible new job. He’s wondering, and I think he’s probably right, that I will regret leaving just as I am starting to gain traction on so many things I have worked so long to improve. Otoh, I don’t know if I can actually live like this, when there is so little of me left to exist in the cracks around work …. Ho hum.If I can pull myself together this morning, I am hoping to clear the runner bean bed and the greenhouse of the dead tomatoes. I will also sow some broad bean seeds to plant out in the runner bean bed in c. 4 weeks.More decluttering and clearing of ‘stuff’ will happen. Not much relaxation today as we have the plumber coming to set up the new lounge radiator, jeremy will be helping him and also doing more filling / ‘plastering’. Tomorrow will be a rest day though 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
I think you need to ask yourself whether you live to work or work to live. Both are equally valid stances at various points in our lives and careers, but which is the right one for you right now?KajiKita said:I was talking to Mr KK last night about the interview next week / possible new job. He’s wondering, and I think he’s probably right, that I will regret leaving just as I am starting to gain traction on so many things I have worked so long to improve. Otoh, I don’t know if I can actually live like this, when there is so little of me left to exist in the cracks around work …. Ho hum.
Hope you feel a bit perkier later xMortgage 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 -
Take care of yourself.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.1 -
It sounds like the job is taking a lot out of you. Only you can guage if that is about to improve or not.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
Could you give yourself a cutoff in your current job to see if it starts feeling better - say 6 months? No point putting up with it forever if, as you say, you're existing between the cracks, that doesn't sound fun 😕1
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'If you could wave a magic wand and make it go away, would you'?If you could swap current job for one on the same money, would you? I wouldn't, other than in the sense that I'd rather not be working at all.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
Thanks @SouthCoast, @beanielou, @savingholmes - I’m feeling a bit better after a productive day (I will post about that separately 😊).
@Cheery_Daff, I had given myself a cutoff of next March but this possible job has surfaced a bit early … I had wanted to stay there till I retired but at the current level of demand on me it just wouldn’t be sustainable. I will see how this next winter goes. Reading more has definitely helped this year and if I do more crafting this winter I think that would help too.@redofromstart, that’s a really hard question as I am getting some really positive feedback from significant people in the business, I am loving developing my team and we are just in the cusp of doing really good things after months of hard work …. I need the same level of pay but less intensity! (It was striking to me this week that I went on a Teams call with project people from one side of the business and during the chitchat before the meeting proper started, I understood that the very senior person, form the other side of the business, that I was prepping the presentation for all week, was completely unknown to them …. 😳🤷♀️)
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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
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