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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,826 Forumite
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    beanielou said:
    My apologies. I am tired & replied quickly. I meant the vicar. I had no idea that they could insist on things to that extent. 
    No worries. I really wasn’t sure which way to take  your comment 😂😉😊

    That the vicar is insisting on purely scriptural readings is a bit of a shock to me and not very accessible / compassionate / welcoming etc. ….

    Ho Hum …. Me likes a challenge 😉

    KK x 
    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

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • 23rd psalm The Lord is my Shepherd?
  • KajiKita
    KajiKita Posts: 7,826 Forumite
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    23rd psalm The Lord is my Shepherd?
    Definitely a possible 😊 Thank you. 

    I have an actively Christian friend who is cross on my behalf about this, who is lending me a bible and has given me another slew of suggestions to work through. Mission to find something ‘scripture’ 🙄 but uplifting to the soul is ON! 

    Seedlings watered and weights and squats done 😊

    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

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • Watty1
    Watty1 Posts: 6,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I might be inclined to send the vicar a brief summary of what is wrong with this suggestions but suggest you would love that reflected an uplifting life of joy.    That should set him a challenge!

    What about the Corinthians teaching on love?  Sometimes used at weddings but equally appropriate at the end I think? 

    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 !!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
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    KajiKita said:
    Well, the barn dance in the evening, wasn’t country and western as we’d thought but more like English folk dancing. The hall had been decorated nicely, the atmosphere was good, the cakes were phenomenal 🤩 and we laughed, a lot! 😊 Did us good I think. I had a friend come along as well, so she and Mr KK finally got to meet each other.

    I am feeling fat and need to do something about it. I put a new battery in our bathroom scales yesterday and immediately gained 3lbs! 😳😂😢 

    KK
    That bathroom scale is behaving very badly indeed!

     Glad you having some fun amidst the sadness.
     I am so very sorry to hear about La Belle Floof .. just caught up. 

    KajiKita said:

    That the vicar is insisting on purely scriptural readings is a bit of a shock to me and not very accessible / compassionate / welcoming etc. ….

    Ho Hum …. Me likes a challenge 😉

    KK x 

    Why does the vicar get to insist? As long as its uplifting or meant something to your aunt.. 

    Maybe some Maya Angelou - dont tell me she is not spiritual  - or go full on gospel ;) That could wake him up  ;)

    Or Walt Whitman  A CLEAR MIDNIGHT.

    THIS is thy hour O Soul, thy free flight into the wordless,
    Away from books, away from art, the day erased, the lesson done,
    Thee fully forth emerging, silent, gazing, pondering the themes
    thou lovest best,
    Night, sleep, death and the stars.

    or  To Sleep by John Keats ...

    There are some beautiful ones here https://humanist.org.uk/helenvanrijs/wp-content/uploads/sites/607/2022/06/Poems-suitable-for-Funerals.pdf

    or to be cheeky  ....  you could read out lyrics to a song she loved... Simply The Best Tina T,   maybe not Always look on the bright side of life....

    This reminds me I need to do my will - I have strong views about  my  funeral so  best I get them written down - with the money in waiting for the New Orleans Marching Band and champagne after  of course ;) 

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Watty1
    Watty1 Posts: 6,886 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker


    This reminds me I need to do my will - I have strong views about  my  funeral so  best I get them written down - with the money in waiting for the New Orleans Marching Band and champagne after  of course ;) 

    LWAP make sure someone knows!   My mum always wanted a jazz band so that is what we had.  The crematorium would allow them to play on the way out - but- the band suggested they play at the wake instead so they did and we had whiskey and sherry and everyone said what a fabulous party!   The hotel were somewhat surprised as it was not their usual wake apparently but everyone said it was a pity mum wasn't there as she would have loved it.

    The sad thing for me is that she wasn't there.  (She died very suddenly).  Every few years I make an effort to have a great birthday party just to make sure i do the party before I go, it may not be for years, but if I'm thinking jazz band for my 70th!
    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 !!
  • savingholmes
    savingholmes Posts: 28,979 Forumite
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    I love Ecclesiastes 3:1-8 and then 10-12. There is a time for everything.... God makes all things beautiful in it's time. The NIV is a nice translation.
    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
  • Brie
    Brie Posts: 14,873 Ambassador
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    Keep it short. "Jesus wept".  Shortest verse in the bible, can't tell you where it is though.
    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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  • Pollie
    Pollie Posts: 248 Forumite
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    Psalm 116?
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