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Mortgage free in Forever Home :-)

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Comments

  • redofromstart
    redofromstart Posts: 6,055 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    So cute but the key thing to remember when you are tempted to tummy tickle is that five out of the six ends are pointy! 
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • KajiKita
    KajiKita Posts: 9,200 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    redofromstart said:
    So cute but the key thing to remember when you are tempted to tummy tickle is that five out of the six ends are pointy! 
    😊😂😂😂😂
    To be fair, she is so relaxed I wouldn’t want to disturb her ❤️

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 4 books of target 52 in 2026 as @ 11th January 
    Produce tracker: £18 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 97,756 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That wee ball of floof  :love:
    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.
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,649 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Why is "attempted roadkill" such a favourite resting pose for cats??  :D
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • Humdinger1
    Humdinger1 Posts: 2,668 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Late to the party but happy birthday @KajiKita! Opals sound fab.  All this talk of packed lunches reminds me of how I saved over £100 per month without even trying when I started doing this.  That was 10 years ago! Love Humdinger xx 
  • KajiKita
    KajiKita Posts: 9,200 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Humdinger1 said:
    Late to the party but happy birthday @KajiKita! Opals sound fab.  All this talk of packed lunches reminds me of how I saved over £100 per month without even trying when I started doing this.  That was 10 years ago! Love Humdinger xx 
    Thank you for the good wishes 😊
    Packed lunches? I think that might have been someone else’s thread? 

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 4 books of target 52 in 2026 as @ 11th January 
    Produce tracker: £18 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 29,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My cat is currently enjoying being a trip hazard on the stairs - either lying a couple of steps up or worse just on the bend near the top.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • KajiKita
    KajiKita Posts: 9,200 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    savingholmes said:
    My cat is currently enjoying being a trip hazard on the stairs - either lying a couple of steps up or worse just on the bend near the top.
    They are such mischiefs! 😉❤️

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 4 books of target 52 in 2026 as @ 11th January 
    Produce tracker: £18 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    I am enjoying the cat pics here ;)  Too cute!
    Happy belated birthday - your day sounds fab.

    I am abroad in the US at present staying at the very hotel where I worked, partied and  turned 21 .. its like 3 decades ago! How??? It feels like yesterday but also a different life ago.. 
     Nothing round here really has changed - bar the cheap food market is now insanely expensive weird organic stuff (as in I havent heard 25% of the ingredients! and I am v travelled)  - so I went to the local shop instead and a bottle of water cost $5!
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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