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Mortgage free in Forever Home :-)
Comments
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£5 from Pr1me and 75p TT sent off to mortgage - nice way to end the year 😊
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 61 books of target 52 in 2025, as @ 4th November
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.5 -
Good to see our fascination or horror with squeaky clean has led you to a new 2024 goal
I have my robot vacuum going as I type .. he does make it easier to do a quick tidy plus he mops too
I have just been bought an Alexa echo thing - never wanted one but I have remembered that my robot vacuum will talk to my Alexa in some way so I will sort that out later on .. I know I can set the vacuum off when I am out as well - I rarely bother but maybe I should embrace tech to its fullest to achieve squeaky clean..
intoning that means the study needs to be a tranquil place .. it’s definitely not that
my declutter efforts of this year have led to a pretty tidy main few rooms but the study and parts of my bedroom are full of I am not sure what to do with x and y ..
I repainted and tiled my own bathroom floor last year and it’s made it much more fun to be in, it’s not big enough to be a spa moment
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#latest1 -
@LadyWithAPlan, can you categorise the x and y at all, that are in your study and bedroom? That might help you identify what storage you need or even if you need it all?
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 61 books of target 52 in 2025, as @ 4th November
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 -
Phew …. The outlaws have *finally* left …. They are meant to arrive at noon And always arrive at 11.15. They talk about dead people I know nothing about, a lot. They get upset when our cat (a nervy rescue) won’t interact with them. She inevitably shouts at him at some point, because she is frustrated with him being old and somewhat enfeebled. They never ask me anything about me, or my life, or what I think about anything, but also never stop talking. It’s all a bit intense …. if Mr KK finds it overwhelming I think I might be allowed to too 😉
The food went down a storm though, especially the HM rice pudding! There’s not a scrap of it left! 😉😊
Tomorrow is MY day, when I do whatever I flipping feel like, all day!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 61 books of target 52 in 2025, as @ 4th November
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.8 -
Sounds like a MY day is long overdue.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 -
Lil bit … 😉savingholmes said:Sounds like a MY day is long overdue.
I have recovered my equilibrium now 😊
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 61 books of target 52 in 2025, as @ 4th November
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 -
Non cat people trying to interact with cats is always a sight to see, not necessarily in a good way.KajiKita said:Phew …. The outlaws have *finally* left …. They are meant to arrive at noon And always arrive at 11.15. They talk about dead people I know nothing about, a lot. They get upset when our cat (a nervy rescue) won’t interact with them. She inevitably shouts at him at some point, because she is frustrated with him being old and somewhat enfeebled. They never ask me anything about me, or my life, or what I think about anything, but also never stop talking. It’s all a bit intense …. if Mr KK finds it overwhelming I think I might be allowed to too 😉
The food went down a storm though, especially the HM rice pudding! There’s not a scrap of it left! 😉😊
Tomorrow is MY day, when I do whatever I flipping feel like, all day!KK
Being talked at instead of to for a whole day is very wearying, I hope you enjoy your day to the fullest.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
@Merlin's_Beard, they love cats and actually have just adopted a senior one …. but they are a little hard of hearing so tend to shriek (you can literally see the cat flinching 😉) and they are so eager that they crowd her. They’ll learn - maybe they’ll be trained by their new cat! 😉
Looking forward to a good night’s sleep tonight and a dry morning tomorrow 🤞😊
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 61 books of target 52 in 2025, as @ 4th November
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.5 -
My nephews were thrilled to see my cat briefly yesterday as it begged to be let out away from their noise!!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 10/10/253 -
Yes, recognise that completely! 😉savingholmes said:My nephews were thrilled to see my cat briefly yesterday as it begged to be let out away from their noise!!
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 61 books of target 52 in 2025, as @ 4th November
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
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