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Mortgage free in Forever Home :-)
Comments
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Glad the service went well.
Sorry things with your Dad were strained.
Shame about the parking ticket. I also hate driving in London.
Hope the rest of your week improves.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 10/10/251 -
I think London is difficult for us country folk. I used to live there and love it but not sure I ever could again.
Glad all went well xMade 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 !!0 -
Thanks @skint_spice, @beanielou, @Cheery_Daff, @savingholmes and @Watty1. 😊
I guess I must count myself as a country person these days … 😉
Right, so far today, I have:
- paid my parking ticket and saved the confirmation email!
- unpacked the car, distributed the items my cousin pressed upon me from my aunt and uncle’s flat around the place and put the kaftan (yeah really! 😂) to air.- put all the other packing away
- done two loads of washing
- bought a car
- bought two bunches of daffs to christen the crystal vase that was one of the items pressed upon me - they are most Cheery! 😉
- sent off the scrap silver that has been hanging around for aaaages …. 👏💪
Now having a brew and 5 minutes chill time.
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 -
That's very quick work on the car purchase!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
I tend to be a bit that way …. Usually works out for me 😉South_coast said:That's very quick work on the car purchase!
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 -
Exciting times ahead with a new car. Toot toot.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’ve been catching up on my finances.Paid off my credit card.
£200 OP ❤️😊Also been doing money prep for buying the car:- Extended my credit limit on my M@S CC.
- Moved £1K from my pay to savings to offset the car spend.- Worked out which savings accounts to move monies from.After paying the car off I should still have £12K savings, which is less than I’d like but a safe amount more than 12 months ago (£8K).I will make a start on car insurance quotes this afternoon ready for picking it up on the 8th April, but now I am taking a break! 😊😉
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 -
Are you off all week?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.2 -
So glad it all went well, and that you've 'gained' a section of family. Great that you felt able to acknowledge that things have been emotionally wearing lately too. And it's good that you and your Dad were able to be civil and have a wee chat. And what a lot of productivity!
You have done all the adulting and I'm proud of you. Now make sure to have some chill time doing only what will nourish you 😊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/do9nSyy8u4nikx6r61 -
Yes 😊beanielou said:Are you off all week?
That would be lovely - shame the weather is not cooperating … 😒🤷♀️PennysIntoPounds said:So glad it all went well, and that you've 'gained' a section of family. Great that you felt able to acknowledge that things have been emotionally wearing lately too. And it's good that you and your Dad were able to be civil and have a wee chat. And what a lot of productivity!
You have done all the adulting and I'm proud of you. Now make sure to have some chill time doing only what will nourish you 😊
Washing up and car insurance done.I am shattered now, so am stopping. Have cleaned the grate and lit the fire so it is cheering for Mr KK when he gets back (the boiler fix last week screwed up the control systems, so although we have hot water we have no heating … Sigh …).
May fall asleep for a bit! 😂
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
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