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Mortgage free in Forever Home :-)
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I'm glad you are back in the fluffy good books.I'd class changing bed linen as a chore and more than I was up to more days after work.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
Glad that the cat loves you again 😻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.1 -
You listed quite a few chores there. Be kinder to yourself. You got a lot done after a heavy work day/week and are carrying the load related to FIL's illness and the pull that's having on your DH and 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 10/10/251 -
That sounds extremely productive- remember you're meant to be making your weekends nicer, not making your weekdays horribler! If you need a nothing but sofa evening or two to rest and recoup that's healthy and wise as well1
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Awwww …. Thanks all. ❤️
Tbh I don’t mind changing bed linen as it is sooooo luxurious afterwards and I always sleep well in a clean bed 😊
I was wondering about the ‘making weekdays horribler’ - so wish I could afford a a cleaner! Ah well. Not feeling too bad this morning. Going to be a strange one today as we are all moving desks - that’s after moving offices less than a year ago! 🙄🤷♀️😂
Finally clocked one of the reasons why I might be feeling a bit mentally sluggish - I ran out of omega3 supplements a while back - now ordered along with more D3. It’s probably why my forehead is like sandpaper too …. 🙄😉
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 -
I feel mean …. Madame Floofy has gone to sleep on my lap.Full on flopped out, wheezing, sleeping.But I have to go and adult!C’mon Monkey, wake up, I’m late already!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 -
Cats do choose very awkward moments to fall asleep on you!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)3 -
Happy adulting!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 -
Love la belle floof total disregard for your needs. What a great cat.
To be honest I thought your evening sounding exhausting. Before I could afford a cleaner (and to be honest the only reason I make myself afford her now is that it is so much better for my mental health) I narrowed jobs down a lot. For example, WattyDog makes a huge mess. No point in hoovering but I could make it look better with a quick sweep of the rubber broom. I would clean the sink and wipe the worksurfaces but rarely, if ever washed the floor other than a quick swish. Dusting was only done when I could write my name in it. My mum always said I was a trollop around the house but to be honest narrowing jobs to essential really helped me cope when I had a lot on.
You and Mr KK have a lot on. Mental space gets taken up a lot at times like this.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 !!5 -
KK: <cough, wheeze> "sorry boss but I'm <cough, cough> feeling really awful <wheeze> hope to be in next week..."KajiKita said:I feel mean …. Madame Floofy has gone to sleep on my lap.Full on flopped out, wheezing, sleeping.But I have to go and adult!C’mon Monkey, wake up, I’m late already!KKI’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
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