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Mortgage free in Forever Home :-)
Comments
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I am finding that the nettles are pushing through the cardboard and compost too, but this may be cat digging related.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
I hate woodlice or slaters as we call them. It’s practically a phobia 😱Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Hate slaters too. Urgh.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.1 -
I’m not hugely fussed on them but they don’t worry me too much. Silverfish otoh … ugh …
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
I like the look of the metal raised beds but they'd take a lot of filling nAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Loving all this gardening chat til you get to the wiggles
(yuck)
A big upside to no garden is no crawly things 👍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#latest1 -
I wish someone would tell the ones in my flat that 🤣!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!!!1 -
Soooo tired …. Woke very early on Tuesday morning and immediately started ruminating on work … 🙄
Then today, 5.30am felt VERY early 😩 and my boss had scheduled a high pressure meeting at 4 to 5pm (I normally finish at 3.30pm) - I think I have had something of an adrenaline crash after that …
Had a productive session with HR about justifying pay rises for two of my team - not just because I think they deserve them but for solid technical reasons, which seems promising 🤞 (my boss has to agree to these rises - one of them will leave if they don’t get it).
Giving myself permission to buy lunch in work tomorrow 🤷♀️
Chased the garage about whether the car I am buying is timing belt or chain and if belt, does it need changing … No answer by 5pm today so have emailed the sales woman so at least my request is in writing. I have also dug out all the paperwork (service bills, MOTs and V5) as well as the spare ‘valet’ key and fuel cap key, ready for the swop over next Monday.Catlets are being a bit frit still and Mr KK was in a state of shock when I got back this evening as he had to deal with two litter trays, two food bowls and one pile of sick (I do the morning shift). They are slowly getting more relaxed around us and we had a fun moment last night when we were both playing with chase toys with them and they were swapping toys 😉
Have promised to transfer £100 to Mr KK to contribute to the insurance of the historic vehicles as he has just added his dad’s bike that he will inherit and the overall premium is now £416.No PBs win this month, but I have discovered that my bonus is 15% of salary not 10% - a helpful bit extra! 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
Glad to hear the new additions are getting a little braver, and that's good news on the bonus! Hope the car gets sorted soon. Definitely sounds like a bought lunch is justified!2
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Great news on your bonus. 😊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
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