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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 29,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's a stunning view and garden.

    I mostly try to prioritise art after work and at weekends although I've not done any yet this week. I found it improves my MH. It sounds like you enjoy gardening so while it may be work you seem to get a lot out of it.

    Well done to those who won on PBs. Commiserations Brie on misreading the prize.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How lovely on the tree. I'm planning to buy a dwarf apple tree - just need to find the right one. I also want some clematis and honeysuckle.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • KajiKita
    KajiKita Posts: 10,665 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    In the spirit of doing one chore in the week so it doesn’t have to be done at the weekend, I have just done the online digital signature for cheque signing for the PC. 

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 62 books of target 52 in 2026 as @ 30th August. 
    Produce tracker: £222 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • That made me check back on the fluffy trousered idiots bi annual abscess visits, and in 8 months the identical visit and AB injection has gone up £13. I clearly need to adjust his 'I'm rubbish at fighting but let's try anyway' budget. 
  • beanielou
    beanielou Posts: 100,991 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That seems expensive to me 🐈‍⬛
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 13 months left.
  • KajiKita
    KajiKita Posts: 10,665 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    That made me check back on the fluffy trousered idiots bi annual abscess visits, and in 8 months the identical visit and AB injection has gone up £13. I clearly need to adjust his 'I'm rubbish at fighting but let's try anyway' budget. 
    I love this! 😂

    beanielou said:
    That seems expensive to me 🐈‍⬛
    Hmmm … 🤷‍♀️

    My cat hates me right now - every time I go near her she flinches and runs off behind furniture or a curtain …. 🙄😢 This will last c. 48 hours and once I have fed her enough times she will have forgotten 😉 Fortunately she still has one ‘nice hooman’ as I do all the vetty things so Mr KK stays as the ‘safe hooman’ …. 😉

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 62 books of target 52 in 2026 as @ 30th August. 
    Produce tracker: £222 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • SandyShores
    SandyShores Posts: 2,119 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 6 February 2024 at 10:21PM
    I think I may need to rethink the pet club I pay for our cat.  Its gone up to £18.99 a month - so a total of £227.  If one set of vaccs and wormer/flea is £95 for the year then that means its around £44 per set for the other three quarters wormer/flea.  It is supposed to include a couple of healthchecks each year but our cat is so scared of the vets that we can only take him the once.  I did notice they are offering access to an online consultation service at the moment.
    "Think of many things, do one"
    Mortgage end Aug £168k £309,749 2020 (ends June 2036 -was 2038- aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
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