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Mortgage free in Forever Home :-)
Comments
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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 …..
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 -
Pots planted and on patio, so that’s a few more tulips ‘consumed’ 😊❤️
I can hear Mr KK in the kitchen debating with the Floof whether she is to have a fishy pouch or a meaty pouch for tea 🤩
All snacks, breakfast and lunch set up for tomorrow, so apart from wrangling one last load of washing (in the tumble sadly) and having a shower I have no further set chores to do. That’s miles ahead of where I usually am by this time on a Sunday 😊
After the brew that Mr KK is making I will draft an advert for the PC Clerk as, No! I definitely do NOT want to cover this role, thank you! (We are struggling to find anyone and the Chairman is asking me … 😳🙄).Am also going to start C-Mas present strategising and planning the garden for next year this evening 😊❤️
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.6 -
PS - it was a fishy pouch and it disappeared with much happy feline mumbling! 😂
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.6 -
It pleases me no end that you report on the most important issues of the day!!!KajiKita said:PS - it was a fishy pouch and it disappeared with much happy feline mumbling! 😂
KKI’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
⭐️🏅😇🏅🏅🏅2 -
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!! 😉😂❤️Brie said:
It pleases me no end that you report on the most important issues of the day!!!KajiKita said:PS - it was a fishy pouch and it disappeared with much happy feline mumbling! 😂
KK
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 -
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.3 -
Agreed Beanie!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 -
😂😂😂😂😂🤩 They do in this house! 😉❤️
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 -
Quiet day here. Had a session with a Dale Carnegie coach about a 360 review I had done today. Came out of it feeling fairly accurately skewered! Some very positive feedback but some significant things to work on too, particularly related to setting vision and response to stress and pressure …
QM33 finally came through - £5.03 to OP.Ordered a new microwave plate as ours has chipped significantly and left us with a nasty sharp edge.Saw the father of my English coachee today - he was roaring with laughter as he related his son’s reaction to the book he’d accidentally chosen! 😂 Apparently my coachee was laughing so hard his dad couldn’t understand him for a while. We have now got a much more sober and sensible looking option for this week … 😉
Dropped my bank details to the dad and told him what he owes me to date.Mr KK has taken off the outside skin of the second window cavity. Another step forward 😊
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.6 -
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 £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 10/10/252
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