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Mortgage free in Forever Home :-)
Comments
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That is a big jumpAchieve 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 10/10/251 -
Just catching up. The horses are "only" £48 to vaccinate and the vet comes to them on a "free" visit if it is one of the days vet is in the area.
Love the garden btw and the chores thing really resonated with me. I feel i am doing a lot of chores and not so much funMade 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 !!3 -
Thanks for all the thoughts. We don’t have much choice of vets round here I think. The good but cheap vet retired a few years ago. Will have a further rummage ….
Chore pulled into week from weekend: run around house and empty all internal bins into one bag and then out into the black bin.My Amalanchier tree Christmas present arrived today! 🤩😊❤️
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 64 books of target 52 in 2025, as @ 11th 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 -
We are lacking in vets round here too these days, luckily I got registered years back when I got my cat but I think it’s harder here since lockdown.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)2 -
Oh lovely, which one did you choose?My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
Just a bog standard one, single stemmed and even when it is in the ground I think it will be just a bit taller than me 😊 I will have to be devoted to giving it a can of water each week! 🌱💦redofromstart said:Oh lovely, which one did you choose?
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 64 books of target 52 in 2025, as @ 11th 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.2 -
Further weekend tasks completed:
- Mr KK has moved all the spare logs from the garage wood store to the store next to the house.- I have deep cleaned the section of kitchen worktop to the right of the hob 😊
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 64 books of target 52 in 2025, as @ 11th 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.5 -
Well done on sticking to your new resolution. Have you worked out what play looks like for you?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 -
Thank you 😊savingholmes said:Well done on sticking to your new resolution. Have you worked out what play looks like for you?
Embroidery, tapestry, art, pleasure reading, some gardening though all of it is good for me 😊, playing with colour, seeing friends. Did a bit of tapestry and embroidery at the weekend and am taking a friend out for a lunch for her birthday next week on Saturday.Turns out PBs pay directly into one of my savings accounts! 😊
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 64 books of target 52 in 2025, as @ 11th 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 -
Proper tired …. Been an intense week and with a 7am start this morning for training that was cancelled at 6.30am 🙄 and grim commutes this week, I am defeated by doing any chores this evening. After feeding the cat, splitting kindling, emptying the grate, bringing in firewood and getting the fire going (all usually Mr KK’s jobs but he does over to see his mum and dad on Thursdays now) all I was fit for was flopping on the sofa. After cooking I was only fit for more flopping! I have changed my bed linen which is a job I have been doing in the week for a while, nothing extra. I will make a start on my student’s latest book.La Belle Floof loves me again! 😂😊
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 64 books of target 52 in 2025, as @ 11th 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
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