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Mortgage free in Forever Home :-)
Comments
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That’s really good of your boss.It will be really good for you to have a wee break. 💜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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.2 -
What a day! But with lots more positive outcomes than negative. As @beanielou says, having a break will definitely do you good, especially after the funeral and being with/there for your cousin and her family.
Glad Mr KK's dad is better than expected, and you never know, Sunday might be enjoyable once you get there! Is there the possibility of Mr KK staying over there so he can make the most of family time and old pictures while you can get home and feel more ready for the week without feeling like you're being mean?
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Thanks @beanielou and @PennysIntoPounds.
No, zero chance of Mr KK staying over. When his sister moved out, Mr KK moved into her room and they made his old room an upstairs bathroom (doubling the size of the still tiny kitchen) and when he moved out and in with me they got rid of the bedroom and turned it into a crafting office space. Mr KK was quite shocked by the alacrity of how that happened! 😉
If I am overwhelmed I will bring him back here, drop him off and then go and sit on a big hill near here - assuming it’s not too wet.KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 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 -
Glad you have options to make things work as well as they can in the circumstances. Sorry about the car.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
3) 44.5/82K = 54.26% AVC Goal by mid 20284 -
That's decent of your boss to think of and suggest a workaround for you.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +14 -
Very good of your boss. In difficult (for us) times support can come from unexpected quarters and so nice to read the boss was supportive.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 !!2 -
Thanks @Watty1 😊
Madly busy, intense, back-to-back meetings day …! Just about kept all plates spinning at horizontal, there was laughter, mild banter and some positive feedback going out and coming in 😊
Referral fee for someone I used to work with who I recommended for a role where I am now landed in my pay packet today! Lost 40% of it but an extra, unexpected £600 is very welcome 🤗 That will offset the £212 for my new battery tomorrow and the funeral costs that I’m going to incur (I’m including ‘bribery and corruption’ presents for my cousins two young sons - dinosaurs and building things all the way apparently 😉).This evening I discovered that the nicotiana I sowed at the weekend have germinated ❤️🌱
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 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.6 -
I hope the battery does the trick.Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3002 -
Thank you 😊skint_spice said:I hope the battery does the trick.
I have told Mr KK that if it doesn’t, it’s game over and ‘new’ car time. I can’t have a car that I can’t drive safely on motorways!Bizarrely, tomorrow’s battery supplier rang me today to ask if I could come in for 8.30am instead of 9am tomorrow. Tbh, it doesn’t make much odds to me on a Saturday as I leave the house at 6.30am on work days so 8am sounds quite civilised to me! 😉😂 He sounded so glum when he asked and when I said “sure, no problem” you could literally hear him break into a smile and relax into relief. No idea why 🤷♀️😊
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 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 -
That is early to me these days! Hope the battery does the job.
That was a nice amount to get extra.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.3
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