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Mortgage free in Forever Home :-)
Comments
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redofromstart said:@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?LadyWithAPlan said:KajiKita 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 askedAchieve 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 29/7/251 -
It’s been a day …..
Site manager getting shouty and cross with whole management team this morning about not turning up to a series of meetings that get dumped in our diaries without notice. He got quite a lot of push back, HR started talking about unrealistic pressures and resilience and finance manager commented about people being tired and how we are all working like crazy. Net result - on the day I was meant NOT to be working because of losing a Sunday to travelling to a meeting in Europe I will be joining a meeting, and requiring my engineer to join as well even though even he is properly on leave. I was raging and went for a stiff walk at lunchtime. At least it was sunny.
Missed sending a piece of work to my other boss by close of play (deadline) and left open on my desktop to action first thing tomorrow…. As driving home, exhaust fell off my car. Again. This time the back section. Managed to get off the dual carriageway / throughway on a pavement and rang the AA. Again. The same engineer appeared as last time #mortified …. I owned it and greeted him cheerily, like an old friend … <cringe> Fortunately he could see that I HAD replaced the whole exhaust system and it was a poorly fitted bracket that had come undone. He bolted it all back up and sent me on my way 😊
In the 50 minutes whilst standing on the side of the road, in the maelstrom of thundering traffic, I rang Mr KK and asked him to put the towels in the new washing machine that didn’t get washed last weekend. I got home and found that he had put what seemed like every towel in the house in the machine for what appeared to be 300 hours!! 😳 Eventually I retrieved said towels and they are now drying …. I was frustrated after a mad day that he hadn’t thought about which towels were in use and which needed washing (they were segregated) and he got frustrated that I wasn’t appreciating his incredible efforts in being the first to use this ridiculously complex new piece of equipment that has lights and screens on the front of it!! 😳😂 (Mr KK has a natural preference for the analogue option …. 😉). I went out to the kitchen to cook food and screeched with frustration that I had nothing to dry my hands on - Mr KK appeared to defend me from animate mouse or meurine corpse and we ended up having a hug and laughing our heads off at each other.Finished the book that my English student chose (his dad is surprised by how he has suddenly taken to reading 😊) - it was ripping yarn with quite a few plot twists, managed to get a few surveys done on the side of the road as well as ringing the company that fitted the exhaust with a promise to visit them to ‘discuss’ it on Saturday morning….
I have clean sheets and am shattered now! 😉
KKAs 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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.7 -
So0unds like a dire dayI 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.4 -
beanielou said:So0unds like a dire day
Just found £10.65 in my PP account 😊 (£1.44 from wiiR8 and £9.21 from the books I sold 🤩). Swept off to be an OP and topped up with a 45p TT 😊
KKAs 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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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 -
I would recommend your vice of choice after that!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20253 -
Merlin's_Beard said:I would recommend your vice of choice after that!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#latest2 -
Thanks @merlin’sbeard, @LadyWithAPlan - I did have a packet of crisps (for the first time in weeks and and as a result had disturbed sleep with a nightmare! 🙄). However, today is a new day and FRIDAY! I will make the most of it and I WILL finish ON TIME!! 😉😊
KKAs 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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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 -
Left on time!! Gallons of work left undone, but tbh, so much that staying another hour wouldn’t have even scratched the surface! 🤷♀️
Collected two more paint samples on the way home and got my poor little car washed 😊
I believe, we have finally found the paint colour we want for the wall behind the fireplace ….
It’s the one on the left:
KKAs 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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.5 -
That that looks cosy! Have a restful weekend.Mortgage OP 2025 £6250/7000Mortgage 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)2 -
Liking the paint colour.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
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