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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 12 November 2023 at 1:59PM
    Made an interesting discovery on my H@lifax app this morning. Our work pension has switched to the Gaelic Widows provider. It appears that there is a link between H@lifax and the Gaelic Widows as on my app below the three accounts I am used to seeing detailed there, has appeared one called “Pension Account”. Useful I guess. 

    The local plant centre (only does plants, compost, a few seeds and eggs) posted on FB yesterday that they were shutting for the winter until 1st March, so popped in to wish them a quiet winter, a happy Christmas and pick up two flats for half price - one of Bellis Perennis and one of an unusual brown / yellow striped viola. I have emptied and ripped apart into the compost heap, the rootballs (no, I do not want that autocorrected to footballs, thank you! 🙄😂) of the two summer bedding pots that live outside the greenhouse during the summer, washed them and plonked them in the potting shed to plant up with tulips and bedding this afternoon - too wet to work in the garden and Mr KK has lit the wood stove so I would be smoked out anyway. Once planted up, these pots can sit on the patio by the house and be cheering through the winter and into the spring 😊

    I’m starting to think about lessons and learnings from this year, seeds, plans, veggie plot ideas for next year. Crazily, in spite of the endless disasters I have with the garden here, I am excited for it! What is it they say, about hope springs eternal …. ? 🤔😉😊❤️

    Nearly at another £5 on QM33 for a small OP - soooo slow though …..

    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. 
  • Brie
    Brie Posts: 14,873 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    KajiKita said:
    PS - it was a fishy pouch and it disappeared with much happy feline mumbling! 😂

    KK
    It pleases me no end that you report on the most important issues of the day!!!
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • KajiKita
    KajiKita Posts: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Brie said:
    KajiKita said:
    PS - it was a fishy pouch and it disappeared with much happy feline mumbling! 😂

    KK
    It pleases me no end that you report on the most important issues of the day!!!
    Well, it must be understood that the needs of the most dominant, sorry, sorry … Important! Member of the household must be closely monitored and met!! 😉😂❤️

    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. 
  • beanielou
    beanielou Posts: 95,692 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Cat's rule!!
    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.
  • skint_spice
    skint_spice Posts: 13,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Agreed Beanie! 
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    😂😂😂😂😂🤩 They do in this house! 😉❤️

    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: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the Dad reacted well to the book choice. Could have gone a lot worse. Your description made me laugh out loud though... Not a book I could read - far too traumatic. I am extremely visual... 

    Well done on the window going in. Sounds like you guys need a rest. I don't know where you find your energy to fit in work, council stuff and coaching never mind all the home and garden stuff you do. Congratulations I think - but also perhaps find ways to be kind to yourselves and rest more - whatever that looks like for you.
    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
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