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Mortgage free in Forever Home :-)
Comments
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Got a bit lucky with Pr1me and cashed out £5 last night.Couldn’t access my NW account until this morning but that £5 now sent off as OP along with a further 41p TT 😊
Also, found £8.98 in my TCB account so have claimed that too - that will take some time to show up though 😊
(Dithering about whether send all of it to OP or keep back half as a fun fund / savings …. 🤔)
((And yes, I know it is a tiny amount, it’s more the principle of the thing ….))
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.5 -
Is your mortgage with NW? I am asking as mine is and I can’t work out how to do Tilly tidies to it, I seem to have regular OPs of lump sum options only.
As for your quandary I would go 50/50 - we all need some fun!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)1 -
No, our mortgage is with Accord (a subsidiary of Yorkshire I think). We pay our regular amounts and any OPs from our joint NW account.skint_spice said:Is your mortgage with NW? I am asking as mine is and I can’t work out how to do Tilly tidies to it, I seem to have regular OPs of lump sum options only.
As for your quandary I would go 50/50 - we all need some fun!Surely you can just ‘send’ TT OPs to your NW mortgage as I do to Accord? You will need to ring them to find out the account details to send the payments to.I think I will split it 50/50 😊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 -
Had a nice stump about in the garden for an hour, did some clearing, breathing and looking. The cat attempted to supervise but I had to rescue her from magpies when she went up a tree and they objected loudly - she couldn’t get down because she needed to turn her back on them to concentrate on how to do it and they were shouting at her to get out of their tree 🤷♀️😉😂
Found a few things in flower 😊
Love these plants - flower all year ❤️
Before:
Progress:
Supervising!
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 -
Looks lovely and good to know the cat having an exciting life..
50/50 sounds like a good split. I have started 3 'wish farm' accts in my ynab so a small., medium and large 'wish' items so I am looking to pop extra cash in those longer term areas over time ...eg a pedicure is my small wish - would like to get one on a regular basis especially with all the walking I do and my feet looking sad.. but feels a bit frivolous beyond the once a year shellac I do before going away on holiday goven the bigger needs and wants .. so any little monies its nice to see that build
On the missing luggage I have been v fortunate despite a lot of travelling every year to not lose my luggage but those app*e airtags are v useful in these circumstances - I keep meaning to get one just in case as people can at least tell the airlines where their bags end up .. hopefullly it will turn up soonDON'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 -
Yes, @LadyWithAPlan, La Belle Floof runs her life very well here … ! 😉😂
Ah, I remember reading about ‘wishes pots’ in your thread. I think I need to make a list actually - I suspect I will need a new laptop next year for example. Will have to have a play with my spreadsheet….
I have never hear of 🍏 AirTags - interesting idea. If I end up going away for work again, I will consider getting one.One other win today: gift wrapped, packed and wrote card for my parents Christmas present, including the joke washing up brush 😉😊 That’s now ready to list tomorrow.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.5 -
The purple flowering plant is I think called vinca or periwinkle.
Glad the cat made it out of the tree. How did you get up there?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 -
Of course it is! Had a mental blank - still tired after my week. 😊savingholmes said:The purple flowering plant is I think called vinca or periwinkle.
Glad the cat made it out of the tree. How did you get up there?
How did I get up there? I didn’t. That image is slightly zoomed in and the ground slopes down away from where I took the photo to the tree. Does that make sense?If your question is how did the cat get up there - with a racing zoomie and much scrabbling! 😂
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.5 -
Apparently my case is on its way here from Swansea …. <bates breath> ….!!
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 -
Glad your case is on the way back.
Idea on the wish lists is
Make a wish list of everything you want
Price it up as well as you can
categorise into small, medium, large
(my small is under £100 but some say small is under £50 - up to you and your budget)
The Wish Farm - Then pick one small, medium and a large one. Focus on just those 3 and as you get extra cash in or to utililse underspent amounts then you can choose to start funding them.
Once one is funded and bough you replace it with a new similar size 'wish'
I am liking it especially as having a record of all the things you want really clarifies how much you want x or y - and googling cost values is v helpful in the focus
Re the laptop I have a separate Future Tech sinking fund for laptops and mobiles and other tech bits.. My macbook is £2k but lasts 7-9 years
I dont need a ipad so thats in the wishlist though as opposed to the future tech fund.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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