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Mortgage free in Forever Home :-)
Comments
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Love the paint choice2
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The painting will hopefully be soothing. Work sounds frustrating.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 29/7/251 -
Love the stove and the paint colour.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
savingholmes said:The painting will hopefully be soothing. Work sounds frustrating.
In nicer news, got my exhaust checked with a ticket to say it had been done, so if I have further issues with it, I can prove I got it checked ….
Had lunch with a friend at the local garden centre - awesome food and she is doing really well in her new role 😊 Came away with two slices of cake (stunning, but Mr KK defeated by his! 😂) and three hyacinth bulbs to pot up 😊
Lifted my dahlias when I got back and they are safely tucked up in my potting shed drying out. Cleared all the built up ‘rubbish’ from the back of my potting tray - I’ve been meaning to do that for weeks!Mr KK has been sanding the walls back and putting up coving and I have ordered 2.5L of the paint!!! 🎉🤩👏
Pretty tired now. Easy tea of pizza and then an early night for me I think!
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 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.5 -
Loving the stove and the paint colour...
Sorry someone shouted at you .. last time (only time) that ever happened to me work wise by a silent partner ... I enjoyed ensuring a cold revengeAnd have never spoken to him again. You sound more forgiving to me..
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#latest4 -
LadyWithAPlan said:Loving the stove and the paint colour...
Sorry someone shouted at you .. last time (only time) that ever happened to me work wise by a silent partner ... I enjoyed ensuring a cold revengeAnd have never spoken to him again. You sound more forgiving to me..
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 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.3 -
£5.26 sent as OP thanks to QM33, after a final survey before cashing out about pension consolidation, appropriately enough! 😉
Followed up with a 50p TT of our joint account 😊
Rough plan for the day:
I was interrupted in my post payday money shuffles yesterday so have that to finish today.Need to send a Zoom invite for my coachee for next Saturday along with a summary of ‘lessons learned’ and what we agreed for homework.
Clean loo and bathroom.Put identifying stickers on outside of my new suitcase for my work trip next week.Washing and dry clothes wrangling.Start a little sewing kit I treated myself to that may become a Christmas present for my dad, if it looks like I will finish it in time to send it.
Stay warm - I felt cold all day yesterday.
I’m unlikely to get out in the garden - it’s forecast to be wet this afternoon but already looks pretty damp to me!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 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.2 -
Merlin's_Beard said:Well done! Which were the favourites that you'd recommend? (because my to-read list isn't long enough!)
I’ve wracking my brains but getting nowhere in terms of thinking what to say to you … The problem is that I am quite transitory in my reading - I find the odd one that I really like and reference in my signature with the count of the books read for a while, but then that gets overwritten with another one or just deleted altogether. So sorry 🤷♀️😊
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 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.3 -
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.5 -
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