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Mortgage free in Forever Home :-)
Comments
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Ooh, that is indeed exciting ππ photos please when you do acquire a new resident ππ
You've reminded me I have both an electronic π to shop voucher, and a part used book token! Gosh, I wonder how long I would have forgotten those for?! I'll add them to the list and deal with them this weekend.4 -
That sounds like a really positive day.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£171.8K Equity 36.37%
2) Β£2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC Β£27.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 34/Β£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5K updated 10/10/252 -
I'm sorry to read that your boss made you feel -and have your work and pay- undervalued. Please wake up every morning and know that loads of random people all over the country think you're lovely and brilliant and are grateful for you π
And nice chocolate and magazines andΒ potentially a new furry family member?! This sounds like an amazing Easter weekend!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r65 -
Glad to be of service ππCheery_Daff said:You've reminded me I have both an electronic π to shop voucher, and a part used book token! Gosh, I wonder how long I would have forgotten those for?! I'll add them to the list and deal with them this weekend.
It deteriorated after that but I wonβt share here as things are so uncertain. Going forward in hope.Βsavingholmes said:That sounds like a really positive day.
Awwww β¦. Thank you, that means a lot.ΒPennysIntoPounds said:I'm sorry to read that your boss made you feel -and have your work and pay- undervalued. Please wake up every morning and know that loads of random people all over the country think you're lovely and brilliant and are grateful for you πKKAs at 15.10.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£229,702
- OPs to mortgage = Β£12,345 Estd. interest saved = Β£5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th NovemberΒ
Produce tracker: Β£426 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β6 -
A very good point.Β Β You have helped me so much, @p@PennysIntoPounds is so right.Β Β We may have never met in real life but you are absolutely awesomePennysIntoPounds said:I'm sorry to read that your boss made you feel -and have your work and pay- undervalued. Please wake up every morning and know that loads of random people all over the country think you're lovely and brilliant and are grateful for you πMade 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'm sorry the boss was a Plank. I'd appeal in writing as a grievance and say why you believe you deserve more.
Hope the rest of your weekend is better.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£171.8K Equity 36.37%
2) Β£2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC Β£27.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 34/Β£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5K updated 10/10/253 -
Will be thinking of you tomorrowΒ xxI 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.2 -
All the best for tomorrow.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£171.8K Equity 36.37%
2) Β£2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC Β£27.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 34/Β£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5K updated 10/10/251 -
Steady there β¦. Keep going on like this and my head will swell so much I wonβt be able to get through the door! ππWatty1 said:
A very good point.Β Β You have helped me so much, @p@PennysIntoPounds is so right.Β Β We may have never met in real life but you are absolutely awesomePennysIntoPounds said:I'm sorry to read that your boss made you feel -and have your work and pay- undervalued. Please wake up every morning and know that loads of random people all over the country think you're lovely and brilliant and are grateful for you π
Very kind of you ππβ€οΈ
He is a plank. A very rigid, rule driven one. He would make an excellent building material β¦. π€ππsavingholmes said:I'm sorry the boss was a Plank. I'd appeal in writing as a grievance and say why you believe you deserve more.
Hope the rest of your weekend is better.
No point with the grievance - I wouldnβt get anywhere with it. He is rigidly applying company rules π€·ββοΈ
I do have the satisfaction of knowing that he couldnβt find a way to take my bonus payment off me, which is 10% of salary, so way more than the annual salary review is worth β¦ π
The rest of my weekend is being interesting β¦..
Iβm down in North London, in an AirBNB, listening to planes hurtling overhead β¦. I was meant to be staying at my cousins but her MiL whoβs just had a hip replaced is staying and to be fair, there is NO way she would have coped with the 4 steep sets of stairs here (Iβm right at the top of the house in the roof!).ΒItβs been interesting to see my cousin with her children - she is much more human in that context, far less controlled, very loving. She is a fantastic mother π
My car was dreadful on the way down - battling through Londonβs aggressive, crawling traffic with my engine behaving randomly and having to switch it off and back on again to βreset itβ, was β¦. letβs say β¦ βchallenging to my Zenβ β¦. Decision made. Time to find a new car!ΒMr KK meanwhile, after finding two rare as hens gnashers, WW1, petrol cans (yes he collects those too β¦. ππ) at a militaria show this morning, has been to see his mum and dad this afternoon and after dire reports of vomiting and horrendous pain yesterday, FiL appears to have overdone it with an eclair after barely eating for three weeks and is feeling much better today β¦ π€·ββοΈ Mr KK has instead been royally exploited by the neighbours of his mum, who are cat fosterers and now know we are in the market for a cat and have been sending pics and bios of possible candidates all day β¦.! πππ Nigel and Nellie, 4 month old siblings, anyone β¦.? π
KKAs at 15.10.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£229,702
- OPs to mortgage = Β£12,345 Estd. interest saved = Β£5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th NovemberΒ
Produce tracker: Β£426 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β5 -
Are the cats cute ?ΒI 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.2
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