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Mortgage free in Forever Home :-)
Comments
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It’s a riddler:ladybird1106 said:What is the green thing in your trug called? Need one of those.
Love 🐞
https://www.machinemart.co.uk/p/clarke-crs400-rotary-soil-sieve/?da=1&TC=GS-030711400&gad_source=1&gclid=EAIaIQobChMIjrO-3uaMgwMVxdTtCh3tNQs2EAQYASABEgJH8vD_BwE&gclsrc=aw.dsKKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Ouch to the wasp sting. I'm scared of them at the best of times so that would have freaked me out.
Glad you have been reunited with your case. It feels a violation when personal items like that go missing.
Not surprised you've been exhausted. You do seem to fill your life very full. Hope you find time to 'relax' whatever that looks like for you.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250 -
I shift my compost around every so often, it works faster for it. I've also got a hand powered riddler thing which takes out the big lumps.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
The last six months have been ridiculous. We’ve both had enough now.savingholmes said:Ouch to the wasp sting. I'm scared of them at the best of times so that would have freaked me out.
Glad you have been reunited with your case. It feels a violation when personal items like that go missing.
Not surprised you've been exhausted. You do seem to fill your life very full. Hope you find time to 'relax' whatever that looks like for you.Christmas starts this weekend! 😉 Albeit that we still have a week of work left to go.As at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
That’s on my ToDo List … especially now that I have a 3 bay compost system 😊❤️redofromstart said:I shift my compost around every so often, it works faster for it. I've also got a hand powered riddler thing which takes out the big lumps.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Thanks for the info, will be ordering one of those after Christmas
Love🐞
Grow your own: £14.662 -
£1.68 from UR8 sent off to OP.1,100 emails cleared!All DIY items have left the living room!!! 🤩🎉🥳
Fire is lit for the first time this week and all curtains are back up ❤️
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Great progress 😊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 -
Sounds more homely.Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Nice you have your front room back. Just in time for Xmas.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250
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