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Mortgage free in Forever Home :-)

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  • Brie
    Brie Posts: 14,849 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Is there a decent second hand appliance place near you?  We got a great Bosch WM for about £120 a few years back.  New would have cost about £800 as I recall.  
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  • KajiKita
    KajiKita Posts: 7,811 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 19 November 2023 at 6:44PM
    Brie said:
    Is there a decent second hand appliance place near you?  We got a great Bosch WM for about £120 a few years back.  New would have cost about £800 as I recall.  
    I did think about this but we need something sorted by next weekend, the only place locally is c. 40 minutes drive in the wrong direction to work and has very limited stock, so I decided against that as an option. FW privilege, I totally accept. (I used it previously when trying to set myself up with appliances when deep in debt and running away from a disastrous relationship.) 

    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. 
  • I'm with you on replacing core appliances, mr redo does a great job of replacing bits but the WM is essential and we can afford it. I remember the pain of the laundrettes 40 years on 🫣.
  • Woohoo on the  ‘end of month clear the account’ cos that means you are watching what you sopend and have excess left - 
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a good chat with your Mum.

    Sounds like Mr KK has skills.Totally get it on the washing machine too

    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
    Thanks @savingholmes 😊

    £4.80 turned up from TCB so that has been swept off to an OP, topped up with a further 3p TT! 😂

    Got home from work tonight and Mr KK was ‘having at’ the kitchen freezer with a hairdryer and plastic spatula! There were soggy / ice covered drawers and shelves everywhere, so I mucked in and wiped and dried, and wiped and dried! We now have a functional freezer again 😊

    I then went down into the cellar and cleaned where the washing machine wasn’t (split powder, cobwebs, random bits of dust and rubble), lugged the WM further out of the way and then cleaned where the new washing machine will be on Thursday! 😊 Feels good to have got that done as I won’t have much time tomorrow night as I should be collecting the paint sample for the living room!! 🎉🤩

    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. 
  • skint_spice
    skint_spice Posts: 13,438 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I really need to defrost my freezer too😫
    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)
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