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Mortgage free in Forever Home :-)
Comments
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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 £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 10/10/250 -
Done, dusted and actually quite enjoyable as I could see how much things have improved over the last few months 😊savingholmes said:Not a fun end of year task but if there's money attached....
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’! 😂😂😂😂
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 60 books of target 52 in 2025, as @ 30th 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 -
Love that wordAchieve 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 10/10/250 -
😊savingholmes said:Love that word
I confused another German colleague later on in the day with both this word and ‘nimble’. 😉
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 60 books of target 52 in 2025, as @ 30th 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 -
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 😊
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 60 books of target 52 in 2025, as @ 30th 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 -
How annoying on the book selling front.
My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
Another £5 OP thanks to QM33 😊
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 60 books of target 52 in 2025, as @ 30th 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.1 -
😂😂😂😂 Typical! 🤷♀️😊CCW007 said:
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 said:
Wepretendwebuybooks rejected a book they offered 39p on but charged me £3.06 for the privilege! Bah!
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 60 books of target 52 in 2025, as @ 30th 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.1
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