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Mortgage free in Forever Home :-)

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Comments

  • HotDog2020
    HotDog2020 Posts: 593 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Wow what a lot of effort I hope all turns out well, sounds like you are keeping fit at any rate.X
  • skint_spice
    skint_spice Posts: 13,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It all sounds very stressful, take care of yourself and Mr KK and you can refocus on the OPs when you feel stronger.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • f0xh0les
    f0xh0les Posts: 7,626 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Sending hugs, you have it on all sides at the minute.  Stress with FiL, stress at work, and worried about Mr KK (stress in the bedroom) the furballs will snuggle up soon.
    The O/Ps will still be there when you can cope with it.  
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • redofromstart
    redofromstart Posts: 5,867 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Much sympathy from me.

    The tree reading book sounds like something Mr Redo would enjoy? Title and author please.
  • beanielou
    beanielou Posts: 95,723 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sending positive energy to you both.  
    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.
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The tree book sounds really interesting.

    On the kitties - I think it always takes a while for them to settle. My cat is very affectionate now - but wasn't initially.

    On the family situation - I can imagine a similar issue with my family. I listen to some of the songs on dealing with bereavement - like 'monsters' and 'how do I say goodbye' and am almost jealous of the level of closure they seem to get. I also like the 'when I get there' one and would consider asking for those to be played at my own funeral.  L Gilbert - has some good stuff on utube on dealing with grief - both in terms of a partner and a parent. I think the latter is in an O interview.

    Work is work. Not as important in the grand scheme of things. The colleague - there's always at least one!! 

    The skin break out - I love Cl1nq3 moisture surge.

    OPs - not a priority right now understandably. You have a lot on. You'll sort it over time.
    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
  • Watty1
    Watty1 Posts: 6,904 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You have a lot of stressful things beyond your immediate control now.   The mortgage will come good, it does in the end.  Sending love and feral kitty purrs (just because my little feral is in pet mode and climbing over my desk)
    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 !!
  • South_coast
    South_coast Posts: 5,905 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    All these things will be resolved in their own way soon x
    Very sage advice there from PIP. Reminds me of a time years ago when I was out of the office a huge amount over a couple of weeks and when I got back I'd amassed 31 answerphone messages on my desk phone - by the time I got round to picking them up, there was only 1 I had to do anything about. The rest people had either dealt with themselves, or the world had moved on since. Possibly explains my somewhat laissez-faire attitude to management 😬!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
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