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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 29,170 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about FIL.

    Be kind to you and Mr KK - as well as trying to support. You need to maintain your strength too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • skint_spice
    skint_spice Posts: 13,731 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m glad FIL is feeling slightly better at least.

    Job stresses not so great but like you said at least you are acknowledging the issue.
    Mortgage OP 2026 £810/2000
    Mortgage balance: £32,052

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20
    Boiler fund £2085/3000

  • Humdinger1
    Humdinger1 Posts: 2,897 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Sending gentle hugs @KajiKita.  Am hoping for more pics of cats and dogs; I'm astounded that there have been none in four-posters so far...
  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Beautiful cat pictures - really warm the cockles of your heart.  Sorry to hear you are having a hard time.  I can understand where you are coming from with work and the kind of PTSD.  I've had issues at previous jobs, and just when they fade into a distant memory they are out of nowhere triggered by someone's actions or words.  There's a lot going on at the moment too, so you are probably at a low point which isn't helping.  I think you are right, that just by recognising why you can at least be kind to yourself and give yourself a break.  I love that you are using your sand painting as part of your healing.  Take care.
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • beanielou
    beanielou Posts: 99,416 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Such such cuteness  :love:
    Be kind to yourself xxx

    Skinty~~what a wee cutiepop  :love:
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • KajiKita
    KajiKita Posts: 10,013 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    @skint_spice Awwwww! 🤩❤️😊

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 28 books of target 52 in 2026 as @ 23rd April. 
    Produce tracker: £78 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. 
  • Watty1
    Watty1 Posts: 8,187 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Love love love the kitty pics.  

    I had to google sand painting as I had never heard of it and yes, I can see that might be very therapeutic.  
    Made 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 !!
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