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Mortgage free in Forever Home :-)

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Comments

  • Watty1
    Watty1 Posts: 8,557 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    So sorry to hear about FIL   No words but we are here while you try to keep going.
    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 !!
  • ladybird1106
    ladybird1106 Posts: 1,404 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Sending virtual hugs 
    Love 🐞
    Declutter 1536/ 2026
    books read 11 in 2026
    £320 🥳 funpot
    🐞change pot £84.92
    £20/£500

  • Crazycatlady2
    Crazycatlady2 Posts: 1,083 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Sorry to hear about FIL hope you and husband are looking after yourself.

    We went through similar in 2021 and biggest tip I can give is to look after yourselfs as it is a big thing rlto provide support to the parent who is ill and the onf who isn't x 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    So sorry to hear this KK - sending you a virtual hug. Give yourself time to be in shock 

    well done on the decluttering so far it can prove cathartic if done bit by bit. 

    My parents have a house full of stuff as they had their loft emptied cos of roof insulation - some of it has gone but still things so much  they are hanging on to . Some with sentimental value but it freaks me out a bit 
    I’d hate for me to leave loads of clutter if I passed and have told my mum please don’t leave me with a house to empty - they luckily are healthy but .. 
    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#latest
  • Humdinger1
    Humdinger1 Posts: 3,038 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 4 January 2024 at 7:08AM
    Sending love Kk; please look after yourselves.  We are here for you xx
  • Baileys_Babe
    Baileys_Babe Posts: 6,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    KajiKita said:
    I am wondering if FiL has anything left on his bucket list. Yes, he’s 90 and getting a bit doddery, but he’s not in pain (yet). We should consider it and ask him I think …ll

    KK
    That is a good thought. Even if he hasn't are there things you and Mr KK can think of that he enjoys doing so you all have happy recent memories to remember him by? 
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • maggiem
    maggiem Posts: 2,102 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sorry to hear this sad news @KajiKita, take care of yourself and Mr KK too. 
  • KajiKita
    KajiKita Posts: 10,679 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    FiL is coming home this evening. Mr KK is going round to see his mum and dad tomorrow (he’d also had the thought about bucket list / one last blast on a bike (probably trike) before …. and will ask about that tomorrow). He will also drop off his books into the accountant, having gone through all his eBay spends today for work which he has never done before … 😳🙄😂
    Kitchen tap, which is dripping / dribbling every time we use a toilet or run a tap elsewhere, can be fixed with a new cartridge for £10 and some Plumbers time - phew! 😊
    All the works in the lounge have been signed off by the building regs chap and he had some useful advice and ideas for how we might do our utility extension… 👏😊
    Boiler, which has had a flashing error light since before Christmas, should be fixable with a new pressure valve for £40 plus the boilerman’s time … (phew!).
    My car, which has a fault light and keeps randomly and unpredictably dropping into a kind of ‘limp mode’ where it has very limited power, is booked in for being looked at by the mechanics on Wednesday of next week … 🤞
    New fibre broadband is still not working …. 🙄
    Busy day in work. Did a pitch to my boss last thing about the nonsense role he wants to cuckoo into my team and he genuinely listened 🤞

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 63 books of target 52 in 2026 as @ 2nd September. 
    Produce tracker: £245 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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