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Mortgage free in Forever Home :-)
Comments
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What a fab job, well done. And another busy day, you've definitely earnt a nice dinner tonight! What was the main thing you took away from the climate talk that we could be doing at an individual level?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 -
How do you do it! You never stop!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 -
@Cheery_Daff, whipping on the line today, rather than flapping! 😳😂
@PennysIntoPounds, it comes down to four main areas:
- transport including flights
- food
- how we heat our homes
- how much we consume of everything else
For me, I can’t do much about transport as I live in a rural area (though the few flights I take I do try and find a reputable carbon offset), I choose to be vegetarian (though this is fiercely emotive and depends a lot on whether you eat locally produced food or imported things), heating - we were talking about sharing the infrared camera a neighbouring parish has bought to look at properties in the village from the outside so homeowners could understand where they are losing heat.The less consumption of everythIng else is inherent to the MSE mindset, so we have that covered 😉
We were also talking about the Dark Skies project and looking to do something with that.@beanielou I don’t have a choice! 😂😂😉
Fajitas for dinner - I managed to make the chicken tender and cook the quorn chunks and mushrooms correctly and wrangle all the other accompaniments to the correct timing - Logistics Level Expert! 😉😊
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 61 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 -
That's really interesting, thanks for sharing. Enabling people to see where they're losing heat is a really good idea- making the abstract personal, saving people a few quid in the long term, and helping the planet is a win win win
Excellent dinner domestic goddessing too! You're a much nicer missus than me, if Mr PIP wants meat he blimmin well cooks it himself 😂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/do9nSyy8u4nikx6r62 -
@CCW007 Your dog looks so cute - and accusing at the same time. Sweet.
KK - you and your Mr certainly work hard. Well done on what was achieved.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 -
Had another really bad night. Think what’s going on with my boss atm is triggering a kind of PTSD response from being made redundant three times … Need to get my head sorted. Identifying it is a good first step.FiL has taken a significant turn for the worse (SiL just rang) and MiL has gone to pieces. Mr KK and his sister are heading over there to see what they can do - sounds like liquid or injected morphine is needed now, along with hospice support or bed. Sombre mood here today.
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 61 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 -
Sorry to read both of these things KK. Hard enough to deal with one of them far less both at the same time.Positive thoughts & energy your way. XxI 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 -
Sorry to hear about FiL's turn. fyi the morphine - gentle suggestions about upping fibre intake would be good as it tends to constipate.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅2 -
Sending hugs your way xhttps://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/do9nSyy8u4nikx6r62 -
Sorry to read about Fil and also you realising what is going on for you and the sleep. Sending loveMade 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 !!2
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