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Mortgage free in Forever Home :-)
Comments
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Point it out and mention he should fold it??? Or maybe that's what you meant.KajiKita said:
I don’t think I did - I just describe it in a lot of detail! 😂😂😂savingholmes said:Wow you got a lot done. I used to have a contorted hazel - not sure what happened to it. I love the catkins.
And reading back over it has prompted me to remember that Mr KK’s washing needs folding ….
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 -
I did think - good job he has two hands of his own then...Brie said:
Point it out and mention he should fold it??? Or maybe that's what you meant.KajiKita said:
I don’t think I did - I just describe it in a lot of detail! 😂😂😂savingholmes said:Wow you got a lot done. I used to have a contorted hazel - not sure what happened to it. I love the catkins.
And reading back over it has prompted me to remember that Mr KK’s washing needs folding ….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 -
I do appreciate that you mean well but …. Mr KK lived with his mother before starting to live with me. When we moved in together he literally said to me, I don’t know what will need doing, you will have to tell me.savingholmes said:
I did think - good job he has two hands of his own then...Brie said:
Point it out and mention he should fold it??? Or maybe that's what you meant.KajiKita said:
I don’t think I did - I just describe it in a lot of detail! 😂😂😂savingholmes said:Wow you got a lot done. I used to have a contorted hazel - not sure what happened to it. I love the catkins.
And reading back over it has prompted me to remember that Mr KK’s washing needs folding ….Floors have become his job - in the house (vacuuming and infrequently mopping the kitchen floor) in the garden (mowing) and he cleans the hob. I clean the bathroom and the loo. He cooks c. three nights per week, I do the rest. He does all of the DIY around the house, I assist. He does truly vile jobs such as changing the filter in the kitchen extraction unit. He puts his washing on - I get it dry and fold it.We meal plan together and put the delivery away together. He cooks his own batches for the freezer as I don’t like handling raw meat too much.The one real imbalance is on the finances - I take the lead on all of that. It would be nice if he helped more on that. But we discuss it a lot more than we used to - he asks me questions where he wouldn’t have before.Overall, it’s a reasonable balance.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.8 -
That seems like a well worked out solution on splitting the household responsibilities. I think when you mentioned HIS stuff needed folding my brain switched to mumsnet mode where everyone starts stomping on the nasty man taking advantage of the weak willed woman. I should have remembered that you are not weak willed and Mr KK is far from nasty. Sort of guy I'd actually say is a keeper.
Apologies if I stirred!!! (I do have form for this....)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
⭐️🏅😇🏅🏅🏅3 -
No stirring and thank you for caring enough to challenge ❤️ I never (aim to anyway) react badly to challenge delivered with positive intent. I get it wrong at times on here too. Easy to miss context others expect to be common knowledge.Brie said:That seems like a well worked out solution on splitting the household responsibilities. I think when you mentioned HIS stuff needed folding my brain switched to mumsnet mode where everyone starts stomping on the nasty man taking advantage of the weak willed woman. I should have remembered that you are not weak willed and Mr KK is far from nasty. Sort of guy I'd actually say is a keeper.
Apologies if I stirred!!! (I do have form for this....)I just didn’t want Mr KK to be seen in that light - I mean I know you will never meet him so on one level it doesn’t matter, but he is a good guy and it didn’t sit well with me 😊😉
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.7 -
It’s crazy-mad busy in work atm …. but I’m keeping calm. Rather to my surprise. But I have been making concerted efforts on this. Must sustain this to continue to sleep and survive.
Mr KK cooked tonight so I have sown my onions ❤️ They are nicely snuggled up on a heating mat, under a sheet of clear plastic (3rd year of using 😊) with a timer set for the grow light above the seed trays 😊
I have also, finally, finished the before and after photos / presentation for my mother to show her the light improvement in our lounge thanks to her gift of windows. 😊
Still struggling with the surveys …. 🙄 Tiny scrap of TCB claimed yesterday.Had the barn dance in March tickets arrive tonight 😊
Also had a colleague in work ask me if I would be a guinea pig for his wife who is training in voice sound healing. Session booked for Sunday morning 😊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.8 -
Voice sound healing sounds good
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.2 -
Sounds interesting doesn’t it - apparently it starts with tuning forks.beanielou said:Voice sound healing sounds goodKKAs 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 -
What a lovely division of labour in your house. So nice to read.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 !!1 -
Ask her to tune her fork in my direction please 😂
Barn dance sounds like a good laugh, will you be wearing a flouncy dress with lots of skirt layers?2
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