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Mortgage free in Forever Home :-)

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  • beanielou
    beanielou Posts: 95,712 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Such total cuteness with the kittens. Glad that you were able to help your MIL.
    I have a small Ninja & love it.  It bakes & airfrys & I think it's fab.  I have it on the worktop with a good gap from the back of the wall. Generally speaking you reduce both time & tempeture for cooking by 20%.  I never use my oven now & it does not take long to pre-heat. It works well for me as it's at eye level.  
    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****
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  • Hi @KajiKita.Great kitten pictures.  When our Labrador was a puppy and until he was about a year he used to sit on the back of the sofa.  Luckily he gave it up or I don’t think the sofa would have survived!! 
    Re the air fryer conversation.  We have a 2 drawer ninja (it’s not multi functional- just an air fryer). We are veggie and try not to eat too many UPF (with varying degrees of success).  We use it but nowhere near as much as we thought we would- home made chips/wedges, roasted veg of many kinds, re-heating things mainly.  We definitely still use our oven a fair bit.  I think when we ate meat we would have used it loads more. I would say useful but not essential for us.  It sits on the work surface near a socket - we have a long kitchen with lots of work surface.  

    L x 
  • redofromstart
    redofromstart Posts: 5,866 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Forgot to say it doesn't run especially hot, no extractor fan here. I have mine on a marble board with a good gap round just to be safe but haven't spotted it running hot. I am sure I read that they shouldn't be run off an extension cable. 

    My only tip would be not to use spray oil in the  pan or on the tray, it seems to destroy the coating over time. I bought a second insert because of this. Cooking times - specifically bacon is 9 minutes at 180, although generally stuff is  20% less as per Beanie
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,429 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 13 April 2024 at 11:09PM
    I have no cooker suggestions but wanted to send hugs for what sounds like a productive and good but emotionally challenging day. The cats are gorgeous, thank you for the pics. They look so at home so quickly 😊
    And I'm most pleased to see Hag Seed on your bookshelf too 😁 Did you get a chance to include it with your student's studies or did that run it's course before you could think about it?
  • KajiKita
    KajiKita Posts: 7,848 Forumite
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    @beanielou, @redofromstart, @Less_Talk_and_More_Action, @PennysIntoPounds thanks all. 😊 I have ordered a two drawer Lakeplace one and a recipe / techniques book with cash back and 20% off (couldn’t bring myself to spend Ninja prices! 😳) 

    @PennysIntoPounds, the English lessons finished before we got to Hagseed - he got very bogged down in the Phillip Pullman he chose. I’m not entirely surprised as the shift in complexity of language between that and what he was reading before and the subtlety of the humour seemed to mostly fly over his head. It will be interesting to see if he resurfaces in September and asks for my help again, and if I d3cide to engage again ….

    Bedlam here. Cats two are awake and ripping the house and each other apart (in a tussling sort of a way)! I have come downstairs to feed them and referee in the hopes of winning a bit more sleep for Mr KK! 😉

    KK
    As 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 44 books of target 52 in 2025, as @ 21st August
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  • Watty1
    Watty1 Posts: 6,894 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    no idea on the air fryer but the kitties are super cute.
    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 !!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,755 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Loving the kitties ! And your home looks beautiful 

     I now rarely ever use my oven as  I have a halogen oven which is v similar technology to an air fryer -and I love it - had it for well over a decade 
     I use it 3-4 times a week as the halogen can roast a whole chicken /pork etc in 30% quicker and it’s smaller than a whole oven  so less energy - plus not so hot in the summer 
    plus brilliantly there is room to add baking potatoes, onions  etc to bake around a large chicken so you can do a whole roast meal easily - 
    it does amazing pork crackling as well 
    plus I do chips etc in it, use as a grill etc so grilled veg etc 
    So I love my halogen .. 
    The issue with air fryers is that they can be too small to get a full meal in so look at that - as my halogen can cook a whole meal (it has an extension lid so you can fit a big chicken in) 
    so 

    halogens run from £25 to £60 so much cheaper as well - make sure you get the extension lid to raise it - Amazon have a £28 one

    I can see on Argos they are calling some a halogen air fryer !! But it’s basically a large glass bowl with the heating element in the top - so v easy to clean 


    I also have a pressure cooker with multi functions / clever chef 6 in 1 so that does stock in 20 mins, beetroot in 10 mins plus you can sauté stuff etc 
    (I won this but the PC is useful) 
    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#latest
  • Brie
    Brie Posts: 14,894 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Hi @KajiKita.Great kitten pictures.  When our Labrador was a puppy and until he was about a year he used to sit on the back of the sofa.  Luckily he gave it up or I don’t think the sofa would have survived!! 

    L x 
    When I was a child we had a dalmatian that would lay on the top of a big arm chair as it meant she could keep an eye out the window to see if anything was happening.  She was deaf (common trait) so noises wouldn't alert her to anything but a flash of light from a car pulling into the drive or a flock of kids running past would.  That was from early 60s and my mom still has the chair which has been re-enforced in the seat and recovered more than once.  

    Loving the kittens too....
    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.

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  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Looks like fab progress. Hope the sweetpeas come good.
    Achieve 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 29/7/25
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