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Mortgage free in Forever Home :-)
Comments
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Glad you are home safe. That journey sounds awful. Can't believe you then went into work! I would have been taking time back.Achieve 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 -
I had the Friday off before as otherwise I wouldn’t have had time to do all my usual washing etc.savingholmes said:Glad you are home safe. That journey sounds awful. Can't believe you then went into work! I would have been taking time back.
I didn’t stay long and I was literally passing it on the M5.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.3 -
Slept well 😊Floof is currently sat on me whilst I am in bed purring like a little engine ❤️It’s raining hard here but I have no significant plans this morning other than doing English coaching prep and some washing. Once Toscos have been and we have wrangled, we will go down to Monmouth to have lunch and try some Christmas shopping. (It’s vanishingly rare that we do coupley things like this 😊). I only really need a book for my dad and packing materials. Mr KK needs presents for both his mum and dad - we will see how it goes!
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.3 -
Oh apparently I have gained 3lbs whilst away! 😳🙄 Some of that will be fluid retention from the flights (my ankles were a bit swollen whilst I was away) and some of it will be the ridiculous amount of bread I was eating compared to my usual diet these days. Ah well 🤷♀️ I know where I am starting from and I am actually looking forward to getting back to my previous way of eating now 😊
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.4 -
Glad you got a warm welcome from the cat.Achieve 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 -
She was a bit ‘off’ with me when I first got back (as is normal with cats - how dare you disturb MY routine) but this morning more than made up for it 😊❤️savingholmes said:Glad you got a warm welcome from the cat.
I have just rung KLM. They can tell me literally nothing other than my case hasn’t been found at either Amsterdam or Bristol, that’s it. No sense of timescale or when they will be able to tell me anything, other than it takes an *average* of a week to find and return lost luggage! 😳🙄
Absolutely.Useless.
Apparently I can replace the lost items and then make a claim.I don’t want that hassle. I want my case!Plus I had some just started, cream type medica in there, so I am also going to have the hassle of explaining to the surgery why i have apparently been overusing that as well.
AAAAARGH!!Grump.
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.3 -
What a blooming pain.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 -
That sounds super irritating.Achieve 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 -
Thanks Beanie, SH 🤷♀️
Now trying to be que sera, sera about it all …. as I can’t stand it being in my head! 😉
Had a nice time out with Mr KK. Lunch was good - he paid after I bought a load of stuff for the house in the hardware shop including a new flask for him and we got all the presents we needed.Just done the week’s English coaching and totally freaked him out by telling him what his Christmas homework is - to read 4 books, including the one he is reading now and write a mini book report on each one. TBH, if he read two I would be happy - it will offset the Arabic he will be surrounded by all over the Christmas break … 😉
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.2 -
I've put Lessons in Chemistry on my TBR list!
Sounds like a nightmare trip back after an intensive week - fingers crossed your case reappears and the surgery can redispense your script.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 20252
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