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Mortgage free in Forever Home :-)
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My pay has landed - surprised by how big the effect of the NI change is. That will help to offset the December c/card bill!£8.10 requested from TCB - once that lands I sweep off to OP.
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 -
£2.06 survey (all about generative AI use in marketing) on QM33 took me over my self defined cashout level of £5, so that’s £5.75 swept off to OP along with a 60p OP. That’s been a good stat to the day 😊
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 -
I'm so impressed by your Qm perseverance, it drove me up the wall. I can't begin to imagine how long a £2.06 survey must have taken!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!!!2 -
I've been banging away at the Pr1me ones and have nearly made it to a £10 payout only to discover it will be on a gift card. Annoying too that when I click on a survey it says I'm accepted, I spend 5 minutes answering questions and then they kick me out as not who they want. Not too bad if they give you a point or 2 in compensation but that seems less than half.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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇2 -
South_coast said:I'm so impressed by your Qm perseverance, it drove me up the wall. I can't begin to imagine how long a £2.06 survey must have taken!Brie said:I've been banging away at the Pr1me ones and have nearly made it to a £10 payout only to discover it will be on a gift card. Annoying too that when I click on a survey it says I'm accepted, I spend 5 minutes answering questions and then they kick me out as not who they want. Not too bad if they give you a point or 2 in compensation but that seems less than half.The £8.10 TCB has landed so that’s another OP today 😊
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.4 -
I am feeling virtuous! 😇
Come home after a busy day - we have a supplier business continuity issue that has kicked off this week … 🙄😳 and finished the write up for the job interview from Monday night along with a recommended probation process and sent it off to the PC chairman.Put my bedding in on to wash along with my dressing gown after my darling cat TRASHED my bed on Tuesday morning! So. Much. MUD! 😂Copied and shared my spend / budget categories for one of the younger members of my team who is starting to look at whether he can afford his first home … I have also included a link to MSE’s first time buyers guide 😊
Had a £11.80 refund from Giggleclear so it was worth making that call on Sunday 😊
Booked two tip slots for the weekend as Mr KK is biting at the bit to get some of the rubble and rubbish from the lounge refurb shifted! 😊
That’s not bad for a work evening 💪👏😊🎉🤩😂
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.4 -
That sounds like more effort than I've ever made on a work night!
My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
redofromstart said:That sounds like more effort than I've ever made on a work night!
But I always feel incredibly lazy compared to Mr KK! 😊😂
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.2 -
Definitely take a moment and appreciate how much you've achieved. Comparison is a trap. It's all too easy to rush on to the next thing on the to do list - but if we do that we never learn to be more in the moment.
Now need to just learn to apply that to myself and all will be well. I'm sat here thinking I've done 6 hours work, I've seen my counsellor and had food - but not achieved anything else today (aka on the house)... Hopefully I'll get an hour or two in this evening (I'm a night owl) and then start fresh tomorrow.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 29/7/252 -
Thanks @savingholmes, wise words 😊
Don’t forget how much energy it takes to do the unpacking that counselling requires.If an hour is all you do on the packing today, one box, one drawer, just a survey of what is left so you subconscious can work on it overnight - it all helps.
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.3
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