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Mortgage free in Forever Home :-)
Comments
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After all that happened following your move I can see why you left it a while before decluttering in earnest!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
I think I was in a kind of psychic and energetic shock! 😉😂🤷♀️😉skint_spice said:After all that happened following your move I can see why you left it a while before decluttering in earnest!
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 -
Hi KK, been reading the last few pages of your diary. Do you mind me asking which reusable filter you use? Just about to use our last disposable filter and want to switch to resuable.KajiKita said:Done some good stuff today 😊
- water jug scrubbed and reusable filter set up again1 -
Hi @CCW007 and welcome to my ramblings … 😊CCW007 said:
Hi KK, been reading the last few pages of your diary. Do you mind me asking which reusable filter you use? Just about to use our last disposable filter and want to switch to resuable.KajiKita said:Done some good stuff today 😊
- water jug scrubbed and reusable filter set up again
It’s a brand called Ph💧x (Phox if you’re googling I guess). I like them as there is a lot less plastic involved and they genuinely last 6 weeks without any taint whereas I found the original type would start tasting of chlorine again within c. 3 weeks when they where meant to last 4.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 -
Cashed out another £5.02 from QM33 and 83p as a TT from the joint account 😊
Not an NSD as I need a new mascara …. 🙄
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 -
Thanks KK, that was the one I was looking at so pleased to hear a good review!2
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I agree with Skint. That does sound pretty full on after moving. You are definitely making the place your own now.skint_spice said:After all that happened following your move I can see why you left it a while before decluttering in earnest!
Shame about the garden centre you mentioned - it sounded beautiful.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 -
It’s my dad’s 83rd birthday today. So, I text him first thing to wish him happy birthday and ask when would be a good time to call him. Bouncing back comes the reply - I’m in Grenoble at a conference… no suggestion as to when I could call him, asked again and no reply all day. He rang me at 5pm for an 8 minute chat (he was in a hurry as he was heading out to a reception which involved a trip in a cable car ….) which was actually rather nice ❤️😊 He’s going to send me some of this year’s honey crop and we are going to open negotiations for a possible visit to see my parents next spring 😊
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 -
Happy birthday to your dad.
My mum is 83 next year!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 -
Thank you 😊beanielou said:Happy birthday to your dad.
My mum is 83 next year!
No major progress on anything financial today - tried to transfer £2K to PBs this morning but H@lifax is yet again blocking the transaction after spending 20 minutes on the phone to them on Sunday trying to authorise it with them. I did manage to transfer £1K on Monday though? Odd. 🤷♀️ I shall persist ….
Been prepping for the English coaching I seemed to have picked up for the son of a colleague. First session is booked for Saturday afternoon so have reviewed his ‘homework’ I set(ish), downloaded teams and sent him an invite for his father to test before Saturday. We’ve agreed on £15 for the hour but we will see how it goes for both him and me - it may end up being too time consuming or the son might hate me! 😉😂
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
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