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Mortgage free in Forever Home :-)
Comments
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Thanks KK - my house is in the terrible before it gets better stage. If the handyman turns up tomorrow that will clear space in the garage for me to move boxes into so I can make my living space more liveable but as it is there's little incentive to continue packing downstairs - although I could finish off two rooms upstairs as there's not a lot left to do in those. Perhaps that should be my goal...
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 10/10/252 -
It’s amazing how ‘bouncing’ something around loosens up our thought processes and get us moving 😊savingholmes said:Thanks KK - my house is in the terrible before it gets better stage. If the handyman turns up tomorrow that will clear space in the garage for me to move boxes into so I can make my living space more liveable but as it is there's little incentive to continue packing downstairs - although I could finish off two rooms upstairs as there's not a lot left to do in those. Perhaps that should be my goal...
Enjoy progressing.
KKAs 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.3 -
The week just got busier and busier. Another Teams PC meeting and then work just 🤯 Ugh.Slept really badly last night - woke up because of overheating, due to excess carbs consumption yesterday, due to stress, and then once awake, couldn’t get back to sleep because of middle of the night nonsense anxieties. 🙄Still, it’s the weekend, it’s dry, it should be sunny today 🌞, I have a haircut this morning and Mr KK is on a mission to tidy up the garden - ooh, the glamour of tip runs! 😂 Plenty of physical activity (lugging rubble!) in the sunshine, with my favourite person will help with a carbs reset. The one other thing I would like to fit in to today (amongst necessary chores) is sowing my onions 🧅 😊
KKAs 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.6 -
Happy Saturday.I 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 -
I appreciate you got the answer to this months ago and I'm just catching up but I knew instantly as soon as you described the hair. I love The Changeover - I used to borrow it from the library every couple of months as a teenager, and acquired an ex library copy as an adult.KajiKita said:@redofromstart, @Baileys_Babe, @badmemory, you kindly suggested that I ask about *that* book here. As the FB page still hasn’t shared my post I will have to try and write it again ….
I read this book in the 1990s and I don’t think it was much older than that, 1980s at oldest.I suspect it was published In Australia as it was set there (how I came to have a copy I have no idea! Possibly a present from visiting academic friend of my parents perhaps?)
it was about a teenage girl and her much younger brother.She had lots of long thick wiry black hair.The (single?) mother didn’t seem to be in focus much in the story.The brother got ‘caught’ by some kind of personified entity so although the younger brother was physically present he was slowly dying - the PE was sucking his soul dry.
only the girl knew what had happened to her brother and she realised that she was the only who could see the ‘mark’ on him from what had happened to him.
she fell in with two older witches who she met through a slightly older boy at school who was a warlock. They helped her understand that she was also a nascent witch.They helped her set up a trick where she would disconnect the PE from her brother and hopefully he would recover ….
I think her surname was Chance (recurring theme).
It was very much a coming of age story.
Anybody got *any* ideas how I could start looking for this book? 🤷♀️😊
KK4 -
Hi @Viking_mfw 😊👋
I really enjoyed re-reading it. What I found interesting was I thought I missed have missed loads of nuance when reading it whilst younger, but I really hadn’t 😊
KKAs 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.4 -
I love books that encourage you to read them on repeat.
Hope your onions got sown... I have garlic coming up in my veg patch - presumably leftover from last year's planting...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 10/10/252 -
No onions sown as yet, but the packets have been ferreted out from the tin they have been stored in. Been too manic today, it will be done tomorrow 😊savingholmes said:I love books that encourage you to read them on repeat.
Hope your onions got sown... I have garlic coming up in my veg patch - presumably leftover from last year's planting...Haircut ✅ (advised hairdresser to consider putting his prices up again! )Treat baby beers for Mr KK and flowers for me from Leedl’s ✅ (encountered current PC Clerk in the queue and we had an intense and productive chat about the potential successor to the role and who the transition might be managed - which reminds me, I should tell the chairman about this.)Three loads of washing ✅Tip run with lounge rubble ✅English coaching lesson completed and interesting homework about the rules of football set for next week! ✅😂Mr KK has also cleaned the over hob extractor and changed the filter - hero! 👏❤️
£cial updates completed. Christmas CC spend cleared without touching savings (including the Christmas savings so the YNAB pot is still full). Had a £100 surplus so £50 have hoofed over to savings, which triggered a £500 cascade to Marcus 😉 and a £50 OP has been made along with a 50p TT OP 😊
My super-whizzy, not wholly accurate, but satisfying anyway, interest calculating spread sheet, tells me that, the £50 OP has saved me £17.53 interest across the remaining life of the mortgage and the 50p has saved me 18p!Total interest saved thanks to OPs so far: £2,051.22
KKAs 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.6 -
That’s a nice thought that 50p saves you 18p.Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
It’s tiny I know, but … acorns and all that 😉skint_spice said:That’s a nice thought that 50p saves you 18p.
Have lengthily texted the chairman about the conversation in the Leedl’s queue so he can read it at his leisure.KKAs 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.3
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