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Mortgage free in Forever Home :-)
Comments
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Your living room looks lovely and glad you got it sorted for Christmas.
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.141 -
That’s hilarious! 😂😂😂😂CCW007 said:
`Just had a PA survey matching words and one of them was gargantuanKajiKita said:I also befuddled him by using the word ‘gargantuan’! 😂😂😂😂
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 -
Thank you - we are so relieved 😊FlacosFloozie said:Your living room looks lovely and glad you got it sorted for Christmas.
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.3 -
Well I have been paid today but am absolutely shattered so won’t bother with the money shuffle until Friday this week.Site Manager’s PA took pity on me today and input all my expenses for me. I literally can’t use that system - I was getting so stressed with it yesterday that I was getting tearful - ridiculous. I am going to treat myself to a sandwich at a posh mini SM on the way to work tomorrow (last site day) and will buy her a pretty pot plant as a thank you - more than worth it! 😉
Must do more on food planning and setting up the online SM order tonight ….
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.5 -
One horrible task off your to-do list✔️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 -
Yes, phew ….skint_spice said:One horrible task off your to-do list✔️
The PA came down to my desk, sat down next to me and within two minutes, having seen what an absolute pickle I was in, said “send all your scanned receipts to me and I’ll sort it”. I was amazed and sooo relieved!Boss and I are fighting, he is seriously annoying me - planning to allocate tasks to my team without any discussion with me! I am also not prepared to accept a bizarre hybrid role (two disciplines which are alien to each other and one of them to my team’s function, bolted together …. 🙄) which he dumped on a few weeks ago. Debating how to approach this.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.5 -
Mr KK has been kind. The bins all around the house have needed emptying for c. 3 days now and I couldn’t bear it any more, but couldn’t face battling with them after an intense day, late finish and dark commute whilst also cooking …. Asked Mr KK if he would - he did *and* he voluntarily did the kitchen bin too - hero! ❤️🤩
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.5 -
Well done that PA.
Sorry the work duties are sprouting arms and legs.
So relate on the pretend to buy books - although the car place did buy DD's dodgy car so not all is lost there.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 14/11/251 -
I owe her big time! A lot of people find her annoying and interfering but actually she genuinely wants to help.savingholmes said:Well done that PA.
Sorry the work duties are sprouting arms and legs.
So relate on the pretend to buy books - although the car place did buy DD's dodgy car so not all is lost there.Work is ALWAYS growing arms and legs … 🙄 But this time I am determined not to be wholly railroaded.Glad it’s not just me 😉😊 I remind myself that it’s easier than selling them individually and I am not paying for the postage! 😉
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.4 -
I gave up with the selling and simply donated a lot to a charity horse rescue that were appealing for them for their stands at events and then deliver the rest to the local CC (where I am to come out with less than I leave). I know I 'could' sell but the stress of it always seems too much to cope with at the moment for me. Kudos to those that do.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!4
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