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Mortgage free in Forever Home :-)
Comments
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You have a strange idea of celebrating! ππππππLadyWithAPlan said:Great you have moved forward on this.ΒI am glad he was spoken to about itΒAnd fabulous OPs wow over Β£360 is no small featΒ
maybe a cat can trash their litter tray in celebration
Β
Thanks @beanielou, @savingholmes, @Merlin's_Beard π
Woke up this morning to Β£26.74 cashback appearing in my H@lifax account for a L@ndsend purchase several weeks ago using my debit card (rather than my non-h@lifax credit card).ΒI have split it, so have Β£13 in my βfun fundβ (I need to start tracking this now) and Β£13.74 as an OP! Cracking way to start the day. π€©β€οΈππ₯³
KKΒAs at 15.12.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£227,385
- OPs to mortgage = Β£12,881 Estd. interest saved = Β£6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 1 books of target 52 in 2026 as @ 1st JanuaryΒ
Produce tracker: Β£8 of Β£400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β7 -
I got Β£30 of wine cash back, which just shows how much I spent on wine (voucher and offer also involved, and a years worth of Sunday lunch red)
good to see HR serving a useful function, and glad the air got cleared.My mortgage free diary:Β +++ Divide by Cucumber Error.Β Please reinstall universe and reboot+++
GNU Mr Redo3 -
Thanks Redo πredofromstart said:I got Β£30 of wine cash back, which just shows how much I spent on wine (voucher and offer also involved, and a years worth of Sunday lunch red)
good to see HR serving a useful function, and glad the air got cleared.
KKAs at 15.12.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£227,385
- OPs to mortgage = Β£12,881 Estd. interest saved = Β£6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 1 books of target 52 in 2026 as @ 1st JanuaryΒ
Produce tracker: Β£8 of Β£400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β3 -
Free money is always nice too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£171.3K Equity 36.55%
2) Β£2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC Β£30.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 35.5/Β£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5.1K updated 14/11/251 -
Very true πsavingholmes said:Free money is always nice too.
Relatively quiet day here. Good thing really - I was sooo tired last night that instead of moving my alarm one hour forward to 6.30am I pulled it back one hour to 4.30am! Then couldnβt get back to sleep β¦ Β π³π’ Day at home in lieu of travelling for work on Sunday. Had to take a work call with a global guru - really hard to get hold of them and it was genuinely useful, though it has become obvious from said call, that there is global βwinging itβ on a new strategy that the site based people (i.e. me!) have to lasso, bring down to earth and make work! π Β My work laptop has lost WiFi, yet again π (keeps defaulting to airplane mode - last time it did this it needed a serious software upgrade β¦ <sigh>) so I totally gave up on some of the other tasks I might have attempted today π€·ββοΈ
FINALLY did the dyeing of the old jeans β¦. (Whisper β¦ they donβt look much different π I will have a proper look tomorrow once they are dry, in daylight).ΒTook out my Β£100 pocket money which will now have to last me to Christmas.ΒTook out out a further Β£100 cash to βbuyβ 110 euros from Mr KK - he had loads left over from his last trip to France in the spring because the place they rented had such a big damage waiver - that Β£cash will now go towards the next firewood delivery he wants to get delivered before Christmas.ΒPopped into a local gift shop and found a small present for my mum and a joke washing up brush for both my parents. π Car refuelled ready for the trip to airport.Β
Done various small household chores and started my washing for packing, ready to leave Sunday morning (I so donβt want to go ππ’)
Mr KK has been painting coving on one side of the room tonight - itβs really starting to look better and he has PROMISED ME faithfully that we will have curtains back up by end of play tomorrowβ¦.!! π€
My one contribution today has been to empty a bookcase and move all the contents to another room. Certainly helped my step count! π
Second section of coving behind sofas / emptied bookcase and new wall light install happens tomorrow too β€οΈ Really feels like we might *finally* be in the finishing straits β¦. Mr KK is hopeful that the majority will be finished next weekend! Six months, less one week, after we started β¦.
KKAs at 15.12.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£227,385
- OPs to mortgage = Β£12,881 Estd. interest saved = Β£6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 1 books of target 52 in 2026 as @ 1st JanuaryΒ
Produce tracker: Β£8 of Β£400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β5 -
Thatβs good news, will you both be having a break from renovations over Christmas?Mortgage OP 2026 Β£50/2000Mortgage OP 2025 Β£7700/7000Mortgage OP 2024 Β£7700/7000
Mortgage balance: Β£33,546
Make Β£50 a month Jan Β£0
Boiler fund Β£925/3000
βDo what others wonβt early in life so you can do what others canβt later in lifeβ (stolen from Gally Girl)1 -
YEEEEEEEEESSSSSSSSSS!!! π΄π€skint_spice said:Thatβs good news, will you both be having a break from renovations over Christmas?
I will be doing some gardening pottering, seed sorting, art things and reading. Mr KK will be pottering in the garage if itβs warm enough - if not he has a couple of Airfix models that need finishing! π
KKAs at 15.12.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£227,385
- OPs to mortgage = Β£12,881 Estd. interest saved = Β£6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 1 books of target 52 in 2026 as @ 1st JanuaryΒ
Produce tracker: Β£8 of Β£400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β5 -
Excellent that you are nearly finished, woo hoo!1
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I am SO intrigued about the joke washing up brush....π€Mortgage start: Β£65,495 (March 2016)
Cleared π§ββοΈπ§ββοΈπ§ββοΈ!!! In 5 years, 1 month andΒ 29 days
Total amount repaid: Β£72,307.03. Β£1.10 repaid for every Β£1.00 borrowed
Finally earning interest instead of paying it!!!1 -
Glad to hear you are both going to have some restπππMortgage OP 2026 Β£50/2000Mortgage OP 2025 Β£7700/7000Mortgage OP 2024 Β£7700/7000
Mortgage balance: Β£33,546
Make Β£50 a month Jan Β£0
Boiler fund Β£925/3000
βDo what others wonβt early in life so you can do what others canβt later in lifeβ (stolen from Gally Girl)1
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