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Mortgage free in Forever Home :-)

1295296298300301693

Comments

  • beanielou
    beanielou Posts: 96,789 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I still miss Mr N & he has been gone 4 years now 😿. 
    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.
  • Brie
    Brie Posts: 15,592 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Men being men and not talking about the things that matter!!!  Frankly it surprises me so much whenever him indoors blurts out some emotional revelation that I often have no way to respond myself!  But I do agree that sometimes some of us (women and men both) go to the practical rather than the emotional as at least it's something that we can do/control.  Emotions and health are much slipperier.  

    And kittens are just all action and not much in the brain department.  They'll get more philosophical as they get older and suddenly realise that laps and cuddling are great things 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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  • beanielou
    beanielou Posts: 96,789 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks.  🙏 
    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.
  • That sounds like A Good Day 😊
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 60

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  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds a much better day.

    When can you let the kitties outside? Then the litter tray duties may lighten up. I found by making the silica gel in the litter tray shallower my cat rarely goes poops inside (TMI?) but then I've been mostly home and available to let it out recently which will also have helped.
    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 10/10/25
  • KajiKita
    KajiKita Posts: 8,534 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 18 April 2024 at 7:02PM
    Sounds a much better day.

    When can you let the kitties outside? Then the litter tray duties may lighten up. I found by making the silica gel in the litter tray shallower my cat rarely goes poops inside (TMI?) but then I've been mostly home and available to let it out recently which will also have helped.
    We’re only almost three weeks in, so it will be a while yet. 
    Next doors’ cats are big bruisers (harassed the Floof quite a bit) so we want them to get quite a bit bigger and very confident with the electronic flap before we even think of letting them out. We may build a temporary catio over our patio for them to get used to the cat flap first. 

    KK
    As 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 60 books of target 52 in 2025, as @ 30th October 
    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. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,559 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Teenage cats are hooligans, through and through, and they often get more affectionate when they get older. IT sounds like they're settling in well though, even if perhaps a little bit too well!

    The independent money coach seems interesting though - how did you find them?

    And the book is added to my TBR pile.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
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