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Mortgage free in Forever Home :-)

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Comments

  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Sounds like the kitties are  settling in, enjoy a lazy Easter ;)
    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#latest
  • KajiKita
    KajiKita Posts: 8,596 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Brie said:
    Would something simple like a chamomile tea bag on a bite work for you or is it the pollen??
    I suspect not. I get small red, itchy reactions from typical ‘midges’ but there are some small, persistent black flies in my garden (seem to be associated with hawthorn) that when I get bitten by them I have a reaction that leads to deep bruising, typically over a 3 to 4 inch diameter, that lasts several weeks and the scarring lasts months. If I take an AH as a a preventative the reaction is less severe. 

    KK 
    As 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. 
  • KajiKita
    KajiKita Posts: 8,596 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I think I react more to bites in the last few years, something outside bites me regularly. I get 1cm raised yellow bump of yuck so I use a hot tea spoon to 'draw' the sting, bite cream and AH reduce the effect but don't stop it.  The one on the bra line a week or so ago was especially annoying. Much sympathy. 


    Yet another bonus to getting older … 🙄😉😂 And yes, me too … 🤷‍♀️

    KK
    As 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. 
  • Happy Easter to you and Mr KK, and George and Chloe, and I hope Mr KK's mum and dad are having a nice one too. Enjoy the chocolate and magazines!
    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/do9nSyy8u4nikx6r6
  • KajiKita
    KajiKita Posts: 8,596 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Happy Easter to you and Mr KK, and George and Chloe, and I hope Mr KK's mum and dad are having a nice one too. Enjoy the chocolate and magazines!
    Thanks PIP - you too 😊

    KK
    As 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. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,565 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    The garden looks lovely! Sounds like the kittens are settling in at their own pace, and they'll be all over everywhere before you know it.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks for sharing photos. Sounds like a productive weekend. The kittens will be out play and making mayhem in no time I'm sure. 
    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 10/10/25
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