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Mortgage free in Forever Home :-)
Comments
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I regularly use the steamer thing in the freezer - works well.
every ten years IS regular.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo4 -
You have all made me chuckle with the freezer defrosting comments 😊😂
And yes, Mr KK is a hero in many ways ❤️
KKAs 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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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.3 -
Totally agree!!redofromstart said:I regularly use the steamer thing in the freezer - works well.
every ten years IS regular.
You've reminded me that I need to sell my spare Fridge Freezer! Still need to photograph it - and then list in on FB.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 14/11/252 -
My plan over the last five years has been "defrost every time I move house" which seems perfectly reasonable.redofromstart said:I regularly use the steamer thing in the freezer - works well.
every ten years IS regular.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: +14 -
Slight change of topic.I have an the achievement for the year, not financial but a quality of life one.
Since the beginning of the year, I have read 52 books 😊❤️
Off to update my signature 😊
KKAs 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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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.6 -
Well done! Which were the favourites that you'd recommend? (because my to-read list isn't long enough!)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: +12 -
Woohoo. I am on 140 on my kindle obviously not including’real’books.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 -
He is definitely mine ! Never used a hairdryer in there before you mentioned he hadKajiKita said:You have all made me chuckle with the freezer defrosting comments 😊😂
And yes, Mr KK is a hero in many ways ❤️
KK
@savingholmes I sold my extra ff on FB earlier this year in 5 mins and it was picked up 2 days later
fridge freezer tall one - I got £50 cash for it - all I askedDON'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#latest3 -
I'm busy working my way through your diary @LadyWithAPlan :-)My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
@Merlin's_Beard I laughed a lot at your comment. We are due to
move in the next couple of years. I slammed the freezer lid extra hard to dislodge the ice earlier. Does that count?My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3
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