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Mortgage free in Forever Home :-)
Comments
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That is a nice sized bonus.
caterpillars are my can't stand thing. Make my skin crawl. I am guilty of avoiding the veg plot mid summer onwards once I spot the first ones.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3 -
Nice surprise on your bonus!2
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Thanks @beanielou, @cheerydaff, @redofromstart, @CCW007 😊 I’m expecting to loose 40% of it in tax but even so it will certainly help!Targets for the day (apart from work ones!):
- claim expenses now I have had a third version of the hotel bill from the Manchester trip … 🙄
- chase down answer on timing belt v. chain ….
- hopefully, get out for walk at lunchtime - I will take my waterproof with me for light rain but if it’s monsooning I will have to admit defeat - not much fun sitting in wet trousers!
- change all bed linen
- wash hair
- start looking and deciding on easy, healthier food options for next week so I can plan the shop for this week
- transfer the cat chip data to our address
If I get this lot done I will be very happy 😊
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.7 -
So how did I do …?
- finally got expenses claim submitted - even asked my boss for help at one point in utter desperation to just log a meal receipt(!) but it became very obvious that he doesn’t actually use the system, his PA does it for him …. 🙄
- got an answer about the timing belt - it is a timing belt but mine is not recommended to be changed until 2030 😊
- got out at lunchtime but only for one circuit of the site - ended up talking to a new op on the agency who has a lot about him - think we might have accidentally found a talent 😊
- bed linen changed before dinner! 👏💪😊
- decided to leave hair wash for tomorrow night - it didn’t need it and it will mean it looks nice for when I meet my friend for lunch on Saturday
- went through all recipes I have as well as my summarised recipes index list of what recipes are stored where this evening and cooked butter bean lemon mash for the first time in years this evening to sub for the frozen chips Mr KK had 😊
- cat chips - not done … my head is mush - this can wait until the weekend.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.5 -
I had to scroll back as I was thinking cat chips were a food stuff😂 well done to on achieving so much in one day!Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
😂😂😂 Classic! Apologies for the confusion 😉skint_spice said:I had to scroll back as I was thinking cat chips were a food stuff😂 well done to on achieving so much in one day!
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.3 -
Congrats on the extra bonus - that will help a lot I'm sure.
Definitely be kind to yourself. Between you, you have a lot going on. Hope the kitties settle soon. LOL at Mr KK's shock at the mess they left.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 10/10/250 -
Thank you 😊savingholmes said:Congrats on the extra bonus - that will help a lot I'm sure.
Definitely be kind to yourself. Between you, you have a lot going on. Hope the kitties settle soon. LOL at Mr KK's shock at the mess they left.
Mr KK, after clearing their preferred tray three times in the space of 90 minutes this evening, said firmly that the Pooh Porter was done for the day! 😂😂😂😂
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 -
Have just ordered a new head torch for dark night litter tray clearing ….Oh the glamour … <said in utter deadpan> 😉😂😂😂😂
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.5 -
Total glamour. Do I confess to bagging it up and chucking it out the back door and then dealing with it later?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 10/10/250
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