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Mortgage free in Forever Home :-)
Comments
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Thanks @Cheery_Daff
My aunt has accepted Kaji from me before, even through she has a strong Christian belief. I have done the death rites - hoping they help her on her way, as she has been wanting ever since her husband died last year.Brie said:This sounds like a kind thing to do. I know as someone who is not religious that it's a bit weird at times when someone says they are praying for me or whatever. But I've learned to take this at face value of wishing me well as I know that it's coming from a good place. Hoping your aunt finds peace.Also, in a strange quirk of timing, we planted a tree today. My Christmas present Amalanchier is in the ground, well bedded in with microzzial fungi, mulch, water, and bark 😊 Even now she is in the ground she is already two feet taller than me and we can see her from our new lounge French doors 🤩
Got a pack of stranded, sprouting tulips in the ground, here and there and everywhere 😊
Deadleaved the parsley in the greenhouse and gave that a good watering.Spotted the tiny cyclamen in the gravel under the Mapke flowering 😊
Cleaned the loo, the bathroom and the other side of the kitchen worktop that I started this week.Rang my mother. Too busy to talk, as ever 🤷♀️🙄😂Now on the sofa, fire lit, cuppa brewed by Mr KK and cupcake from MiL reading ‘Hagitude’ ❤️
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.7 -
Sorry to hear that KK, may your aunt have a peaceful passing and good rest x3
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Sorry to hear that xxI 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 -
Well done on the EF being well over 6 months.
My commiserations on your aunt. May she go in peace and the wider family find comfort.
Great timing on planting the tree. Sounds like it will be stunning.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/252 -
Sorry to hear about your aunt.Mortgage OP 2026 £0/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Make £50 a month Jan £0
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Sending virtual hugs
Love 🐞
Grow your own: £14.661 -
May your aunt have a peaceful passing and find comfort in that.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 !!1 -
Thinking of you and yours and sending you best wishes.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
Thanks @PennysIntoPounds, @beanielou, @savingholmes, @skint_spice, @ladybird1106, @Watty1, @redofromstart. My aunt died last night, I found out this afternoon. Relieved and weary. Very tough work day.KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.9 -
I'm sorry for your loss. I've raised my glass to her and asked may she rest in peace. Well done on getting through the day and all of the previous worry. You've been a good niece x4
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