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Mortgage free in Forever Home :-)

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  • South_coast
    South_coast Posts: 5,877 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    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!!!
  • Brie
    Brie Posts: 14,783 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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.  
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  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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!
    I was lucky - it was 8 minutes - those are pretty rare! 😊
    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.  
    That put me off Prime initially too, but if you scroll hard right you can find PP payout which I then transfer to my bank and pay the OP from there. 

    The £8.10 TCB has landed so that’s another OP today 😊

    KK
    As 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. 
  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 💪👏😊🎉🤩😂

    KK
    As 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. 
  • That sounds like more effort than I've ever made on a work night!
  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That sounds like more effort than I've ever made on a work night!
    I was pleasantly surprised when I stopped and looked at how much I had got done … 😊
    But I always feel incredibly lazy compared to Mr KK! 😊😂

    KK
    As 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. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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.

    KK
    As 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. 
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