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Mortgage free in Forever Home :-)
Comments
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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.
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 xAs 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.4 -
23rd psalm The Lord is my Shepherd?3
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PennysIntoPounds said:23rd psalm The Lord is my Shepherd?
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 😊
KKAs 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.4 -
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 !!2 -
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
Glad you having some fun amidst the sadness.
I am so very sorry to hear about La Belle Floof .. just caught up.KajiKita said:
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 gospelThat 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#latest4 -
@Watty1, we had Corinthians at our wedding and that’s on the short list 😊
@LadyWithAPlan, thank you for the Floof sympathy. One bizarre ‘benefit’ of her passing is that I am fighting really hard to finish and leave work on time every day so that Mr KK’s time on his own in the house without her (he would always get her undivided attention in the evenings) is minmised as much as possible …. 🤷♀️
“Why does the vicar get to insist?”His church, venue, space etc I guess. It is what it is. I don’t want any excuse for him to act out from my choice.I plan to blow his socks off with THE BEST possible scriptural reading he’s never heard of! 😉😂
I am drafting in help from across a wide network, including a work colleague who is facing a very similar challenge in pretty much the same time frame as me.Popped into Sainsbugs on the way home and as well as shrooms and quorum (n both missing from last week’s delivery 🤷♀️) I picked up two packs of new grundies for Mr KK - he is genuinely delighted as most of the ones he has currently are becoming so lace-like they are almost incapable of defending his dignity! 😂😂😉
Managed a walk at lunchtime today 👏 and have had a really busy but productive day, came home smiling for the first time in a long time.KKAs 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.8 -
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
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 !!4 -
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 29/7/252 -
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Psalm 116?2
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