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Mortgage free in Forever Home :-)

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Comments

  • Brie
    Brie Posts: 15,638 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Tip envy.  I need to sort out our declutter and need the council to do a pick up.  Which you can only do online.  Which means you have to have an account.  Which I have but don't remember the password.  Which you have to click on a link to get them to send you something to your email address which doesn't work because I don't have an account.  Except that I do.  Do not want to ring some potentially ineffective and uninterested council worker to get them to sort this so might need to resort to him indoors signing up for an account.
    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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  • KajiKita
    KajiKita Posts: 8,577 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Brie said:
    Tip envy.  I need to sort out our declutter and need the council to do a pick up.  Which you can only do online.  Which means you have to have an account.  Which I have but don't remember the password.  Which you have to click on a link to get them to send you something to your email address which doesn't work because I don't have an account.  Except that I do.  Do not want to ring some potentially ineffective and uninterested council worker to get them to sort this so might need to resort to him indoors signing up for an account.
    Oh I feel your pain …. Do persist though - so worth getting rid of the clutter! 😊

    KK
    As 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 62 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. 
  • South_coast
    South_coast Posts: 6,052 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    This is where communal bins are worth their weight in gold. I can chuck in whatever I like and it never gets traced back to me 😀
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • redofromstart
    redofromstart Posts: 5,956 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 7 January 2024 at 6:22PM
    South_coast said:
    This is where communal bins are worth their weight in gold. I can chuck in whatever I like and it never gets traced back to me 😀
    Deeply envious.

    whenever we go to the tip we come back with a flat tyre or puncture. Cheaper to book a skip on average, especially as they charge a few pounds per rubble sack for 'building'waste
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • KajiKita
    KajiKita Posts: 8,577 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    redofromstart said:
    South_coast said:
    This is where communal bins are worth their weight in gold. I can chuck in whatever I like and it never gets traced back to me 😀
    Deeply envious.

    whenever we go to the tip we come back with a flat tyre or puncture. Cheaper to book a skip on average, especially as they charge a few pounds per rubble sack for 'building'waste
    Ouch!! On many levels ….

    KK
    As 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 62 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. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    ,Well done on your goals, I am also finalising mine now.. did the financial  side but also wanted some time to think on the other areas, review, draw lessons and then move forward to make 2024 fabulous. 

    I personally love Leonard Cohen - though his poems are often far better when set to music, Chelsea Hotel No 2 is a top 5 song of mine, I love Janis Joplin too  - the documentary on her is amazing  - on yt here if you have not seen it 
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like another productive weekend. Glad that Mr KK is able to have the needed conversations.
    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 10/10/25
  • KajiKita
    KajiKita Posts: 8,577 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    savingholmes said:
    Sounds like another productive weekend. Glad that Mr KK is able to have the needed conversations.
    Thank you 😊
    Mr KK is a good person to have in one’s corner 😉

    KK
    As 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 62 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. 
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