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Mortgage free in Forever Home :-)

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Comments

  • redofromstart
    redofromstart Posts: 6,283 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    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. 
  • CCW007
    CCW007 Posts: 1,141 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Nice surprise on your bonus! 
  • skint_spice
    skint_spice Posts: 13,790 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 2026 £1860/2000
    Mortgage balance: £29,986

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
    Jun £120, Jul £0, Aug

    Summer challenge £120/300

  • KajiKita
    KajiKita Posts: 10,504 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    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!
    😂😂😂 Classic! Apologies for the confusion 😉

    KK
    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. 
  • savingholmes
    savingholmes Posts: 29,218 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    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 2028
  • KajiKita
    KajiKita Posts: 10,504 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    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.
    Thank you 😊
    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! 😂😂😂😂

    KK
    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. 
  • savingholmes
    savingholmes Posts: 29,218 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    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 2028
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