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Mortgage free in Forever Home :-)
Comments
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Good you could get refund.
Good luck with the solar investigations. Sounds like the roof work needs doing anyway but could be costly?
Well done on getting through the grilling! Sounds like you came out a bit crispy on both sides by the end of it!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 -
We are not sure on the costs for the garage yet. Mr KK has measured up this evening; 3.6m wall plate to wall plate. We will have to go for engineered trusses. He knows a canny building supplies contact (legit but nimble) who might have some cheap(er) due to bulk buying for other building customers. I suspect that there will be much number crunching and discussing before we make any decisions on any of this. I’m just glad Mr KK is engaged with it.I did come out a bit crispy but I think I did okay. I was asked some questions for the first 30 to 40 minutes by the Technical division lead and was told, with a kind smile, “Actually that’s not bad for a non-scientist”😊😂
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 -
LOL at the damned with faint praise thing. It was probably his version of encouragement - and probably tells you as much about him as anything. Sounds like you held your own.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 -
How condescending!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 -
Probably intended positively though. Hope you get the outcome you want. Sometimes I only know what I wanted when I get the outcome.
really interested in the roof/solar panel thing. Please do share info if you can.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
I took it as positive tbh. He was apologetic that he was having to put me through this blitz of predefined questions. I got the impression he gets wheeled out for an awful lot of interviews and enjoyed talking to someone who was engaged.redofromstart said:Probably intended positively though. Hope you get the outcome you want. Sometimes I only know what I wanted when I get the outcome.
really interested in the roof/solar panel thing. Please do share info if you can.I have printed out all the quotes for the different options etc. I had no idea that there was a specific energy tariff for solar panel owners. I will feed back as we digest / learn more 😊
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.2 -
Probably worth checking if you have to declare solar panels as part of you building insurance too - as they can slightly increase the fire risk I believe.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 -
Good point 👍savingholmes said:Probably worth checking if you have to declare solar panels as part of you building insurance too - as they can slightly increase the fire risk I believe.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.1 -
£5.65 sent to OP from QM33, added a further £0.75 TT from the joint account 😊
I am 80 to 90% sure that I won’t take that job interviewed for this week. Many reasons including the guy who would be my boss - just didn’t connect with him in person, 5pm day finish so would get back home an hour later than I do now (not much help when the whole point was a better W/L balance!), I think going back to an SME would feel stifling after working in a big organisation again (and I navigate the latter well, I am good at this, the networking etc.) and I don’t think I would be allowed to actually get on with the job.Mr KK has booked a scarifier for Saturday so we can hoick back the ‘meadow’ area’s grass and moss roots and sow the yellow rattle and old flower seeds 😊❤️
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 -
Do you feel peace now you've made a decision re the other job? Your reasons seem sound. At least you know it's those reasons rather than money driving your decision making.
The garden plans sound positive.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
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