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Mortgage free in Forever Home :-)
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My friend /neighbour lost his keys Dec 30th this year travelling back to London - late on a Saturday eve - luckily I had just got back so he slept in my spare room on his blow up mattress he had left with me!
Locks had to be changed and 3 days later his sister had found his keys in his identical black hoodie he had left there ... He had put on the wrong one ..!
I know Mr KK defrosts the freezer at least due to his hairdryer technique ..
I hope if you are wearing jeans to the barn dance you at least are wearing cowboy boots and a large stetson to wave around and distract when you forget the steps ...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#latest1 -
Glad you have good division of labour it helps. Irritating re the keys. I'm constantly losing stuff - they always turn up though.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 29/7/251 -
Mr KK has found his keys!!! 🥳🎉🤩😊
He’d already booked someone to come out and map a new one for him and as he needed a spare he still had him come over. Because auto-locksmith didn’t have to pick the lock he only charged Mr KK £120 for spare transponder key and call out, which I don’t think was too bad.I have had my car fixed for it’s weird stopping / go-slow fault, hopefully. £180, which is exactly what I thought it would be - bizarre 😊 That included an oil and filter change between services due to my mileage, so I am not unhappy with that. However, because I had to collect Mr KK from the garage last night where he had been deposited by a colleague, I took the rest of my house etc keys off my car key ring … aaaand, you guessed it, I have now left them in work, in one of my desk drawers I suspect! 🤷♀️🙄
Tried to call and book a blood test for my thyroxine levels. Apparently I can’t do this - it has to be approved by the GP. I was promised a callback today but it never happened … 🙄
In better news:
- Booked La Belle Floof in for her jabs and general ‘MOT’ next Tuesday evening after work - sorry Little One …
- The roadworks in the next village which were hideous to battle through a) to the garage and b) to my pharmacy, have finally gone, after 4 weeks! 🥳
- I have got ahead on weekend chores and collected my prescription this evening.
- I have won £100 on the PBs. First win ever!! 🤩❤️🎉 No idea if they are reinvesting or paying out - I guess I will find out 😂
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: £272 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 -
Great news on the PB’s.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.3 -
Had an interesting discussion with Mr KK last night after reading one of the threads about slow living on here. Someone was saying that she was trying to do some crochet, but had to stop and unpick an error from a previous session as she had left it to late in the day and hadn’t had good daylight to work in. She commented that she has a pattern that she tends to ‘do chores first’ and only then makes time for hobbies or creativity.You could have heard my penny drop from space!
I do this. I prioritise and make my whole weekend about chores or obligations and by the time I get to any time for ME, I’m done, cooked, over, out … and I am left with this feeling of never ending, drudgery and ‘what’s the point’ness.
Mr KK acknowledged that it is hard as we both work full time and there is a lot to do here. His suggestion is that we both try to do a bit every evening when we get home in the week, so leaving the weekend to actually be the weekend. He suggested learning how to program the new washing machine to run whilst we are out at work during a week day - so the washing would go in one evening and come out and be dried the next. We could each take one small cleaning / clearing chore each, each evening. I think this is an interesting idea but I would need a second pair of work trousers as I wear one pair all weeke and then wash and dry them in one weekend. I’m happy for both of us to try one small chore an evening but I have just been landed with a meeting next Monday that means I have to be in work 1.5 hours after my normal finish time! 🙄 Gah! I also think we need to wander round the house together and work out what still needs better storage (or preferably moving out! 😉) as I think we moved in here 4 years ago and haven’t really got on top of that yet.Mr KK also said that sees me spending hours doing our finances every weekend and perhaps that could be a chore I could move to in the week. What really blew me away was that he expressed how grateful he was that I do all this, as it would just befuddle him. Bless him. ❤️Anyway, it was an interesting conversation and I will start trying to do something along these lines …. along with the first thing I do each weekend day being something creative or ‘play’, not the last ting I aim to pick up.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: £272 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.11 -
I hope you find a way to make that work for youI 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 -
That sounds very wise, if we don't have joy then what are we doing all the other stuff for
Congrats on the PB win, £100 is a nice sum!1 -
beanielou said:I hope you find a way to make that work for you
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: £272 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.1 -
I read your post and nodded all the way through. For me it has been about placing value on our time. If something doesn't exceed a criteria (for example: it it truly essential ( most cooking and cleaning), or an act of love for someone to whom it matters, does it pay minimum wage , does it get us closer to a goal (moving house), OR does it feel good ( crafts him and garden me)) what am I doing for? I stopped doing most surveys, overthinking our finances and ironing as a consequence.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
PennysIntoPounds said:That sounds very wise, if we don't have joy then what are we doing all the other stuff for
Congrats on the PB win, £100 is a nice sum!redofromstart said:I read your post and nodded all the way through. For me it has been about placing value on our time. If something doesn't exceed a criteria (for example: it it truly essential ( most cooking and cleaning), or an act of love for someone to whom it matters, does it pay minimum wage , does it get us closer to a goal (moving house), OR does it feel good ( crafts him and garden me)) what am I doing for? I stopped doing most surveys, overthinking our finances and ironing as a consequence.
Those are good ‘tests’ - thank you ☺️
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: £272 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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