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Mortgage free in Forever Home :-)

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not a fun end of year task but if there's money attached....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    savingholmes said:
    Not a fun end of year task but if there's money attached....
    Done, dusted and actually quite enjoyable as I could see how much things have improved over the last few months 😊

    I’ve told my boss that I have a cunning plan for achieving various clever and box ticking things, but he has to wait until January to find out how it will happen …! 😉 I also befuddled him by using the word ‘gargantuan’! 😂😂😂😂

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love that word 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    savingholmes said:
    Love that word 
    😊
    I confused another German colleague later on in the day with both this word and ‘nimble’. 😉

    KK 
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Everyone is getting agitated and emotional! Had to step in on a political spat between Italian, Chinese, German and British colleagues today, smooth ruffled feathers and remind everyone to ‘assume positive intent’ …. ! 😂😉

    Wepretendwebuybooks rejected a book they offered 39p on but charged me £3.06 for the privilege! Bah! Still, I ended up earning £10.57 - £5.57 is now an OP, £5 is in the fun fund (which is now running at the heady heights of £20! 😂😂😂). Also checked my M@rcus account - £20.40 monthly interest has landed which can stay where it is and be ‘more savings’ 😊

    Mr KK has bought a ‘new’ van today - 14 years old, exact same model as his current one, ex fleet vehicle for a utility company with full service history, 100K on the clock. After a bit of haggling and a surprising trade in offer on his old one (really?! 😳😂) he’s paying £1,700 for it, which he is both pleased and relieved about as the gear box is going in his current one. He collects it on Friday 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • redofromstart
    redofromstart Posts: 5,848 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    How annoying on the book selling front. 
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

    GNU Mr Redo

  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Another £5 OP thanks to QM33 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • CCW007
    CCW007 Posts: 1,087 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    KajiKita said:

    Wepretendwebuybooks rejected a book they offered 39p on but charged me £3.06 for the privilege! Bah! 
    Reminds me of a friend who called We Buy Any Car to get a quote for his Audi RS4 to be told they weren't interested in buying THAT car 😁
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    CCW007 said:
    KajiKita said:

    Wepretendwebuybooks rejected a book they offered 39p on but charged me £3.06 for the privilege! Bah! 
    Reminds me of a friend who called We Buy Any Car to get a quote for his Audi RS4 to be told they weren't interested in buying THAT car 😁
    😂😂😂😂 Typical! 🤷‍♀️😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • CCW007
    CCW007 Posts: 1,087 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    edited 20 December 2023 at 9:21AM
    KajiKita said:
    I also befuddled him by using the word ‘gargantuan’! 😂😂😂😂

    `Just had a PA survey matching words and one of them was gargantuan  :)

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