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Mortgage free in Forever Home :-)

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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 31.07.14
  • KajiKita
    KajiKita Posts: 7,687 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    CCW007 said:
    KajiKita said:
    I also befuddled him by using the word ‘gargantuan’! 😂😂😂😂

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

    That’s hilarious! 😂😂😂😂

    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: 7,687 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Your living room looks lovely and glad you got it sorted for Christmas.
    Thank you - we are so relieved 😊

    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. 
  • skint_spice
    skint_spice Posts: 13,413 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    One horrible task off your to-do list✔️
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 December 2023 at 9:15PM
    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 £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: 7,687 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 20 December 2023 at 9:32PM
    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.
    I owe her big time! A lot of people find her annoying and interfering but actually she genuinely wants to help. 
    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! 😉

    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. 
  • Watty1
    Watty1 Posts: 6,828 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 !!
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