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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the lawn planting project, the outdoor washing drying and the harvesting. All sounds good.

    Totally with you on how daunting mortgages are at the start - and the impact MSE has for making things easier.
    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 29/7/25
  • KajiKita
    KajiKita Posts: 7,811 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on the lawn planting project, the outdoor washing drying and the harvesting. All sounds good.

    Totally with you on how daunting mortgages are at the start - and the impact MSE has for making things easier.
    Thank you 😊 
    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. 
  • KajiKita
    KajiKita Posts: 7,811 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I am starting this week with fresh focus and purpose! I have realised how much head space and time that job application took from me and I haven’t done any decluttering / rearranging or any other activity in my bedroom in over a week after initially making quite good progress. So, time to get back at it! The first thing I am going to do is try to move the remaining contents of the chest of drawers that I want to empty across to the other two CsoDs - I suspect that this will lead to more decluttering …..

    Also need to write and post and post my dad’s birthday card (he safely received, but hasn’t yet opened his new mixer, some weeks ago 😉).

    Also, want to talk to one of my team about organising a secret Santa for my team this year - I bought each of them a personal present last year (it was a very tough year we had been through together!) but that would cost me more than I am willing to spend this year, with the growth of the team, so a cake lunch and secret Santa sounds like a reasonable compromise to me …. 😉 Also, if this team member organises it rather than me, the most bah-humbug member of the team will feel obliged to join in, in a way that he wouldn’t if I organised it. Me, manipulative? Maybe ….. 🤔😉😂

    KK
    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. 
  • South_coast
    South_coast Posts: 5,897 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    I haven’t done any decluttering / rearranging or any other activity in my bedroom in over a week after initially making quite good progress. So, time to get back at it!
    Wahey - watch out Mr KK 🤣!
    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!!!
  • KajiKita
    KajiKita Posts: 7,811 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
    I haven’t done any decluttering / rearranging or any other activity in my bedroom in over a week after initially making quite good progress. So, time to get back at it!
    Wahey - watch out Mr KK 🤣!
    😂😂😂😂😂😂😂🤔😂😂😂😂😂😂😂
    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. 
  • KajiKita
    KajiKita Posts: 7,811 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 9 October 2023 at 7:50PM
    My dad’s birthday card written and dropped in the post box, with an old 2nd class Christmas stamp on it! 😊
    Decluttered a box that has been lurking in the kitchen for aaages and stashed the contents in a kitchen cupboard that is correct for that type of item (muddley, but correct! 😉😂). 
    Got all my breakfast, lunch and snacks sorted before / during cooking tea 😊
    Having a brew and then will consider what ‘activity’ to attack in my bedroom …. 😉😂😂😂

    KK
    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. 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Like your secret santa idea. 

    Good luck with your next decluttering mini project - just tackle a drawer at a time and see progress.
    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 29/7/25
  • KajiKita
    KajiKita Posts: 7,811 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 9 October 2023 at 9:52PM
    Did one drawer, the top one, in the CoDs I want to get rid of and realised that the bottom drawer is already empty! 😊 I have too many knee high socks - tomorrow night’s job might be to assess them for wear and see which ones are actually worth keeping. 
    Logged my broad bean seeds, by variety, on my produce tracker, another £6 or so 😊

    Kk
    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. 
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