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Mortgage free in Forever Home :-)
Comments
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As at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2026 as @ 2nd August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Hope the cat photos are light relief. Definitely sounds time to invest in a new car.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
3) 44.5/82K = 54.26% AVC Goal by mid 20281 -
They were - made my cousin smile too 😊savingholmes said:Hope the cat photos are light relief. Definitely sounds time to invest in a new car.I hate buying cars but needs must etc ….KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2026 as @ 2nd August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Hope all goes as well as possible.
Good news that it turned out to be an incident of excessive eclairinghttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
Investing in new cars and cats?! Exciting...thinking of you today love Humdinger xx3
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have been thinking of you today Sending much loveMade 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 -
Thanks all x
I am returned! And what a relief.Funeral was beautifully done - my cousin was both a drama student and an events organiser for a while so she inevitably did it well 😉 Wicker coffin with really wild and free looking flowers. Beautiful music - soprano soloist for Ave Maria (I blubbed), small choir with warm bass to lead a really gentle arrangement of Over The Rainbow (I blubbed) and a tenor for Nat Cole’s Smile which was the recessional piece (I really blubbed). My reading went okay - I fluffed one word but overall it was lovely.The wake was held in the restaurant close to my aunt and uncle’s flat where we went for lunch in the October before my uncle died the following spring - kind of bitter-sweet for me. They looked after us well and there was good food a veggie could eat. My dad was there - it seemed strange seeing him - I’m not quite sure how I am his daughter, but we were civil and chatted about this and that. I think it didn’t help that I was so shattered by the service (I think I was grieving for everything else happening in my life atm) and yet he was (as always) so unmoved. We were inevitably somewhat discordant in mood. I needed peace, he was ready to socialise and make merry.Saw lots of relatives, some of whom I haven’t seen in ages. I was actually pretty honest about how naff things have been for both of us with some of them, and to the last they were kind about it. Many of them asked after Mr KK and wanted me to convey their good wishes to him ❤️Did 17K steps across which is pretty much 3x what I would do on a work day and then did a three hour drive back, where the car behaved impeccably all the way, thankfully! Got to bed late and woke to the birds at 5.30am so feel a bit bus flattened and sore this morning - soooo glad I don’t have to go to work!It was lovely to see my cousin and her young family in their home, how they live etc. I get a real sense of who they are and I find I like them 😊 My cousin is still terrifying 🤷♀️😉 but I think I bring her enough value to be worth having around in the future. 😊
Apologies to all that live there, but oh my, London is such hard work …. I have a £65 parking ticket I must pay today as I didn’t move my car quite enough to get into the right parking zone take advantage of the space the airbnb booked for me - so complicated! I suspect it becomes normal if you live there, but it brings so many extras layers of complexity and limited people space etc. I am resolved to NEVER, ever take a car to London again ….. Beyond me. 😉Plans for the day are loose - to a degree I will see what I feel like doing but I’d like to:
- pay my parking fine (gets it over and done with)
- start the car buying process go to two garages to have a look at what they have in my price range and what they’d offer me for part-ex
- get some washing done
- change the water filter / clean the jug.
Those things are probably the most pressing.KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2026 as @ 2nd August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.7 -
Glad it went smoothly for you, it sounds a lovely send off.Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3001 -
Glad the funeral went well, sounds like a lovely service. What a shame about your dad, but I'm glad the other relatives were all supportive, and it sounds like you have a good relationship with your cousin.
Hope you have a relaxing and restorative day today xx1 -
Glad all went well. Be kind to yourself today 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.2
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