📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage free in Forever Home :-)

Options
1239240242244245633

Comments

  • savingholmes
    savingholmes Posts: 28,971 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 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
  • savingholmes
    savingholmes Posts: 28,971 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 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: 7,708 Forumite
    1,000 Posts Fourth 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 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 41 books of target 52 in 2025, as @ 9th August
    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. 
  • 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: 95,599 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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth 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 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 41 books of target 52 in 2025, as @ 9th August
    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. 
  • SandyShores
    SandyShores Posts: 1,969 Forumite
    Sixth 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 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.