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Mortgage free in Forever Home :-)

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  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think pet grief is less taboo and more spoken of and shared than grief for people. I think in this country we expect people to crack on straight after the funeral - where really that is when the grieving starts. I have grieved deeply for people in the past  - with anniversaries being particularly triggering. 

    I hope you have a lovely day out tomorrow.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • beanielou
    beanielou Posts: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Pension credits for MIL when need be. 
    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: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh & look at Donna Ashworth for reading. 
    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.
  • skint_spice
    skint_spice Posts: 13,441 Forumite
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    Enjoy your day out and the barn dance, hopefully the rest will do you good!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,820 Forumite
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    Thanks @beanielou, I have said to Mr KK that MiL needs a session with CAB, but that doesn’t have to be yet. Donna Ashworth …? 🤔 Thank you 😊

    @skint_spice, it will do us both good to have a change of scene. Apparently Mr KK needs new motorcycling gloves as the ones he has are 30 years old and a bit too bit to be comfortable, so I hope the shop there comes up trumps for him 🤞

    2nd load of washing sloshing around in the machine (after I miss-set my alarm to 4,30am! 😳🙄😢😂) 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

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    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
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  • Humdinger1
    Humdinger1 Posts: 2,310 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @KajiKita so sorry about La Belle Floof.   I've heard that when the day comes, they lead us over the rainbow bridge.  Then there are no more partings love Humdinger xx 
  • Watty1 said:
    i think pet grief was ignored for so long that talking about it became normalised and now is recognised.  

    I remember a friend saying she grieved for her dog more than her father because her dog was there by her side every day and she struggled when that was no longer possible.    Whereas with people none of us know what to say so we don't and we just want everyone to get 'over it' so we don't have to engage.  I think it really is the same with animals.  For months I opened and shut a pony' s stable door because I could not bear that he was gone and yet no one wanted to talk to me about that.  My grief was too raw and real.


    I think there's definitely a lot more resources to help people these days (blue cross, Ralph site etc) than there was 10 years ago, although I think there's a lot of people that have got side eye if they need e.g. compassionate leave for a pet as well - we talk about it easily but when people need real tangible support it's often not there.

    But as you say, often pets are a realer and more consistent presence in our life (and often shape our day with their needs and their schedule) than most humans except the ones we live with, so their loss often leaves a massive hole in our days.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • Brie
    Brie Posts: 14,855 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I think it's a case of sharing stories with pets that isn't necessarily done with people.  So if you're sad and you say you miss Floof doing xxxxx someone else will say "Oh I know what you mean, mine did that and also vvvv" and you are both off on a load of memories that make you laugh and cry.  We're less likely to do that with people for some dumb reason.  

    @KajiKita
    I'm sure you know someone who works for CA or a similar organisation that might be able to simply advise on pension credits or other benefits MiL might be entitled to.  In fact if you plug her info in to the website entitledto without FiL's info you might get something that helps.
    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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