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Mortgage free in Forever Home :-)
Comments
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Thanks for all the suggestions.Just read Psalm 23, The Lord is My Shepherd - whacked me between the eyes and had me bawling imagining reading it at the funeral … reckon that’s the one. If it has to be fully bibley then I have suggested Ecclesiastes 13. I’m out of time now - cousin has just emailed me asking for the reading I have settled on as she has to confirm to the printers this evening. I am fed up of reading the bible now - read more of it in the last week than I have in the last 40 years!! 😂😂Had our monthly printed statement from our joint house account - £238 surplus. Have left £50 in there as a buffer, moved £61.61 into the linked savings account for house emergencies/DIY projects (which rounds it up to £1,000) and moved £126 sent off as an OP 😊❤️
Mr KK has been impressing me lately:
- he mentioned in passing that he has increased his monthly contribution to his highish interest account a while back 😊
- he has thought about how to split any inheritance he might eventually get from his parents - 1/3 to his pension, 1/3 to living a bit, 1/3 to the house (saved as a lump to drip feed into OPs without penalty or to do major works on the house). 👏😊KKAs 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 62 books of target 52 in 2025, as @ 4th 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.8 -
Great potential split from Mr KK.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.3 -
I'm not religious but I do like 23 - but prefer the 'I shall not want' version to the more readable wording and it's one of those things that people like nod and know the first bit at least.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3 -
He’s doing well ❤️🤩beanielou said:Great potential split from Mr KK.
Me too 😊redofromstart said:I'm not religious but I do like 23 - but prefer the 'I shall not want' version to the more readable wording and it's one of those things that people like nod and know the first bit at least.
KKAs 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 62 books of target 52 in 2025, as @ 4th 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.2 -
That's great that Mr KK is being so mse, and really encouraging mental-health-wise in this difficult and sad situation that he's feeling able to think about practical inevitabilities and see ways to find joy and progression from them.
I'm so pleased the suggestion of The Lord is My Shepherd has been useful, and moving!
Credit goes to my mum as I asked her as she knows bible things far better than I do, and she'll be really touched that her recommendation has been helpful ❤4 -
I’m glad you managed to make your decision, that must be a relief!Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I’m really proud of him ❤️ And please thank your mum from me 😊🤩PennysIntoPounds said:That's great that Mr KK is being so mse, and really encouraging mental-health-wise in this difficult and sad situation that he's feeling able to think about practical inevitabilities and see ways to find joy and progression from them.
I'm so pleased the suggestion of The Lord is My Shepherd has been useful, and moving!
Credit goes to my mum as I asked her as she knows bible things far better than I do, and she'll be really touched that her recommendation has been helpful ❤
It really is. I can start planning my break next week and across Easter after the funeral. I have 10 days away from work - really needed.skint_spice said:I’m glad you managed to make your decision, that must be a relief!KKAs 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 62 books of target 52 in 2025, as @ 4th 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.4 -
Glad that's sorted. Good you have an extended break coming up. Well earned and needed.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
Did you get black trousers?3
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I did. Not sure I can get into to them too well - I’m in that awkward size in between …. But I have some 🤷♀️😊PennysIntoPounds said:Did you get black trousers?
KKAs 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 62 books of target 52 in 2025, as @ 4th 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.3
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