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Mortgage free in Forever Home :-)
Comments
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Mmm," loving the terracotta paint xx3
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Much sympathy for me on the work challenges.I've only got 4 more Mondays to go but also only two more paydays...My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3 -
Well done on the OP and a big yes to messy cats!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)2 -
Well done on the OP.
Enjoy your paint when it comesAchieve 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 -
I’ve been calling it ‘mushroom’ - way prefer calling it ‘terracotta’!! 😊Humdinger1 said:Mmm," loving the terracotta paint xx
Thanks @redofromstart (kind of envious, kind of not 😉), @skint_spice (yaay for messy cats! 😂❤️) and @savingholmes (looking forward to seeing what the whole wall looks like in it) 😊
KK
As 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 -
It’s been a good day today 😊
Member of team who had completely wound herself up about a training course exam she needed to take to the point of barely sleeping at the weekend and being in floods of tears first thing, took the exam this afternoon and blew everyone else on the team’s score out of the water! 🤩😂 She was then crying for happiness! 🤷♀️😂
Spoke to HR who had noticed that I had been snapped at in the management meeting but reassured me that I am absolutely not the ‘next for the drop’. Also spoke to the chap who had snapped at me. He didn’t realise he’d done it, apologised and then explained that he finds me quite abrupt and forceful and when he gets tired he has less patience and bites back. I think this is valid as I tend to reflect back to people what their communication style is with me - he can give it but not take it, methinks. I will make a conscious effort to treat him as if he were someone more balanced. We both said some positive things to each other and in the afternoon he went overboard in his support for my team on an issue his team had caused us - bit extreme but I appreciate the intent. I absolutely feel like a weight has been lifted off me.Did a review of a file that is needed to manage an important trial build in the next week or so and found a number of holes in it …. Some just ‘documenty’ things, some more significant to the process and how the trial build should run. I have been useful 😊
Earned a further £5 from Pr1meOpinion by totally winging my way through a 240 point questionnaire on DaM 😂 That also meant I cleared another earnings level and earned a further 72 points! £5 made to OP 🤩🎉🥳😊
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 -
Always good to clear the air 😊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 -
Glad that that's resolved - always uncomfortable to have those kind of situations hanging over youStart 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 -
Sounds well handledMerlin's_Beard said:Glad that that's resolved - always uncomfortable to have those kind of situations hanging over youAchieve 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 10/10/251 -
Great you have moved forward on this.I am glad he was spoken to about itAnd fabulous OPs wow over £360 is no small feat
maybe a cat can trash their litter tray in celebration
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#latest3
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