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Mortgage free in Forever Home :-)
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KajiKita said:savingholmes said:Well done on the gardening. The decluttering / clearing plans sound good too. At least once it's gone you have more hope of keeping on top of things. Trying to tell myself that at least.
KKMortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
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)0 -
You have made huge progress with the house over the last year! Here's to hoping you manage to get it more like how you want in 2024. Not that I think it's ever done.
When I am trying to declutter myself - it certainly makes you aware of the simplicity of yesteryear when you just couldn't have afforded or borrowed enough money to sustain the amount of clutter that has come out of this house!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 29/7/253 -
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KajiKita said:....... Quite chuffed at having thought this through 🤩 (Is it just me, or is this the hardest part about decluttering?).KK"Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga1 -
I think clutter is just very draining all around, so many of us are struggling that I think it must be a sign of our times. My great aunts and grandmothers just had a draw of gift wrap (carefully refolded after use) and string and that seemed to be it!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 !!2 -
Likewise moved here with MiL combining households nearly 6 years back after FiL had died. Things just never got put away or disposed of, fast forward a few years and MiL's death and a year beyond that we are finally getting a lot done. I keep telling myself it's a marathon not a sprint!!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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⭐️🏅😇5 -
Thanks @skint_spice, @savingholmes, @Brie, @Watty1 - looks like my experience resonates 😉
I do think there something about having spare cash which then gets turned into ‘stuff’. I did have the slightly ‘doomed to failure’ / vain thought this morning, that if I do get all this stuff cleared, there is no way it would recur now as I am a conscious, careful and considered consumer now … umm …. 😉
Thanks also to @I_Love_comps 😊 Not sure how my diary would be wonderful 😂 but you are very welcome here 😊
KKAs 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.5 -
Survived my first day back. Only 162 emails 😊🤩Got loads done as a lot of people are still off so the calendar is fairly clear. Making the most of it before next week ….In other, not so good news. FiL got taken into hospital last night for strange abdominal pains (completely different to the hernia pains he had in November) so Mr KK has spent most of his last day off sat in a hospital again ….KKAs 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.7 -
Mr KK has said to eat without him as he has no idea when he will be home. So I am - bung in the oven with left over broccoli and half tin of sweetcorn (the other half tin will be used to brighten up my lunchtime salads - literally 😉).
Started one decluttering task by taking all the (very 😳) ood stuff out of the cupboard under the spice shelves and binning it all. Wiped down the shelves as far as I could get to them - will wipe down the other half and start rearranging tomorrow. So whacked now ….
KKAs 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.6 -
Sorry to hear abour MR KK's dadI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1
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