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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 8,499 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That definitely deserves a drumroll-well done!
    Thank you 😊 
    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 😊

    KK
    As 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. 
  • beanielou
    beanielou Posts: 96,744 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Woohoo    :grin:
    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.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 10/10/25
  • KajiKita
    KajiKita Posts: 8,499 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 😊

    KK
    As 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. 
  • 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. 
    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?

    Hope you feel a bit perkier later x
    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!!!
  • beanielou
    beanielou Posts: 96,744 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • 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 10/10/25
  • Cheery_Daff
    Cheery_Daff Posts: 17,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 😕
  • '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.
  • KajiKita
    KajiKita Posts: 8,499 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 …. 😳🤷‍♀️)

    KK


    As 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. 
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