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Mortgage free in Forever Home :-)

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Comments

  • PennysIntoPounds
    PennysIntoPounds Posts: 5,116 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 20 February 2024 at 6:29PM
    Another great cleaning job!

    That's good you've heard from your cousin, and a really nice offer

    How is Mr KK's dad (and mum) getting on?
  • KajiKita
    KajiKita Posts: 8,639 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @skint_spice, it’s a while off yet 😊

    @PennysIntoPounds, it’s very satisfying doing these ‘little nibble’ cleaning jobs in the week. They are visually ‘painful’ so the return versus effort is quite high 😊
    I was surprised by the offer from my cousin as I don’t see myself as close to her, but maybe we will find a way of being friends in some way on our own terms out of this 🤷‍♀️🤞
    Mr KK’s dad is slowly declining, getting very tired, taking a looong time to get dressed in the mornings now. But still KBOing 😊 His mum seems to be okay ish - up and down iykwim. 

    KK
    As 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. 
  • beanielou
    beanielou Posts: 96,943 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes well.
    How is Mr KK's dad?
    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.
  • beanielou
    beanielou Posts: 96,943 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry, cross posted.
    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.
  • beanielou
    beanielou Posts: 96,943 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh no, that's not so good  :(
    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.
  • Hope it's something reasonably resolvable x

    And no, it's not selfish to dread spending half your weekend having to think about, get or make, and take lunch bits, and travel there and back, and be around lots of people, in a potentially upsetting situation, looking at old holiday pictures. Having to look at other people's recent holiday pictures is bad enough! Don't make yourself feel guilty for being human
  • Poor MrKK and KK senior.  My lovely FiL went in waves of up and down and it was hard to judge.  

    I don't mind a few photos and the odd story (as long as I can inflict the Ayers Rock on a Harley Davidson one in return!) but an evening of them sounds very tedious.

    I am in awe at your returning from GC with just compost.  I went to orange diy place to buy a propagator (cheapest place) and only bought some spare planting trays and another base tray (to keep the wet off the window ledges now that they are pretty and tiled) and some (20) light bulbs in the clearance, and some bits off his list, and...  £91 instead of £38. Whoops.  It was piddling down so I don't look at plants or compost at least.
  • savingholmes
    savingholmes Posts: 29,099 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am glad your cousin has reached out. Hopefully that will simplify the accommodation and give you a chance to reconnect. 

    Well done on the continued decluttering and cleaning. 

    I feel for you on the upcoming family events.
    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 14/11/25
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