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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 x
    Thank you ❤️ Can’t help feeling I should have done more …. but just couldn’t ….

    Hope your glass is enjoyable 😊

    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: £276 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's the natural reaction of a good person when someone dies, you did what you could. Is there anything you'll be needing to do to sort out post-life arrangements?
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think finding some memories and images of more positive times will help. It sounded like she'd given up on life towards the end. Hope you manage to find something to do that lights you up - and not the drudgery of more chores after work. There's a balance to be had... 
    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
  • Cheery_Daff
    Cheery_Daff Posts: 17,196 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So sorry to hear about your aunt. Such a difficult situation. I hope you can find some good memories. Please do take time for yourself if you need it xxx
  • Brie
    Brie Posts: 14,826 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    There's nothing strictly saying you must wear black if you have something else appropriate.  
    I’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.

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    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • Watty1
    Watty1 Posts: 6,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    sending love. It is a difficult time but I hope you find some joy in the memories photos will bring.
    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 !!
  • beanielou
    beanielou Posts: 95,644 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So sorry to read this. xx
    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: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @beanielou x
    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: £276 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. 
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