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Mortgage free in Forever Home :-)
Comments
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All sounds lovely.
How was the led fask mask session... I had mine on last night in bed - took it off and slapped some serum on that I had on my nightstand before fallling asleep .. Mr KK may not be up for this though - you looking like something from a Hannibal Lecture daydream..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#latest2 -
Thanks @beanielou, @skintspice, @savingholmes and @LadyWithAPlan 😊
Mr KK is glossing window boards and a short section of skirting this evening, so we can put the Christmas tree up in that corner tomorrow 😊
£5.41 sent to OP from QMEE along with an 83p TT 😊
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 -
For various reasons I only got to my first session with it last night. I found it a bit strange with the fitment bits over the eyes, it didn’t completely exclude all the different shades of light. (I suspect that is because I have quite a small head and face - I always struggle with the fit of hats, masks, VR headsets etc.)LadyWithAPlan said:All sounds lovely.
How was the led fask mask session... I had mine on last night in bed - took it off and slapped some serum on that I had on my nightstand before fallling asleep .. Mr KK may not be up for this though - you looking like something from a Hannibal Lecture daydream..
The red light I found a bit warm but the blue and yellow light was fine. I only did a minute on each setting and will try a bit more tonight.
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 -
Glad you experimenting with the mask.. These home ones are not as strong as the professional ones so you cant really damage your skin. I cycle now 5 min yellow, 5 min blue and the 15 min red when I get the chance. It is a bit weird at first and depends what you are doing - I find it easy to wash up in (!) , declutter and lie in bed at night .. but trying to do things on a screen at the same time can feel a bit uncomfy cos of all the lights.
You should be able to adjust the straps for the fitting.. i have a kids bike helmet .. so I am feeling you on headsize..
I have my xmas tree up now for over a week with my £6 mains wired MrT 200 lights and it really lights the space. So enjoy yours in your new fabulous living roomDON'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#latest1 -
Xmas decs make a huge difference. I love the lights especially.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 -
We have spent the whole day cleaning, cleaning, cleaning and clearing ….
Tree is up, most of the decorations that we do are up and the house is a home again.La Belle Floof is not too impressed! 😉😂
There is still tidying to do, but we’ve broken the back of it 😊
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 -
I was about to say "nice tree but where's the floof!?!" She looks a complete sweetie. (& the tree IS nice as is the rest of the room.)I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅2 -
Thanks 😊Brie said:I was about to say "nice tree but where's the floof!?!" She looks a complete sweetie. (& the tree IS nice as is the rest of the room.)
And our little cat is both a complete horror and utterly adorable. Mr KK is completely wrapped around her dew-claw! The hierarchy in this house, is Floof, Mr KK, me 🤷♀️😉😂
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 -
It all looks super-cosy 😍 I'd be kipping on the sofa as well, if you'd let me in 🤣!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
As it should be!!! (well maybe you above Mr KK would be ok too.)KajiKita said:The hierarchy in this house, is Floof, Mr KK, me 🤷♀️😉😂
KKI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅3
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