📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage free in Forever Home :-)

1296297299301302641

Comments

  • KajiKita
    KajiKita Posts: 7,864 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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.
    Thanks for the reassurance about the maniacs …! 😂
    Umm … honestly? I have been following and interacting with him on LI for c. 6 months now. (That probably sounds really flaky! 😂😂😂)
    Hope you enjoy it 😊

    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
    Produce tracker: £299 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. 
  • KajiKita
    KajiKita Posts: 7,864 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Fresh bedding 🤩❤️

    Had a thought: FiL is endlessly fretting about the car insurance as the V5 has been transferred to MiL but FiL is still named as main driver.
    Mr KK tried to help this evening but had real problems with phones, signals etc etc. He’s going to try again on Saturday morning. I have suggested that as this will require having FiL awake and functional, MiL, a phone signal and being able to make a quick decision once they finally get through, that it might help to have a sense of ‘market cost’ on a new  insurance policy v. paying whatever extra is needed to make MiL the named driver on the existing policy.
    So, tomorrow evening I will drive his tablet and he will give me all the data to plug MiL and Mr KK as a named driver into the MSE tool and see what it comes back with. That way, whatever the original insurance company comes back with to change to MiL as main driver, can be compared to instantly. 
    Mr KK thinks this is a good idea. 

    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
    Produce tracker: £299 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. 
  • beanielou
    beanielou Posts: 95,720 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds like a plan  :)
    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.
  • KajiKita
    KajiKita Posts: 7,864 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Sounds like a plan  :)
    Thanks Beanie 😊

    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
    Produce tracker: £299 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. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,755 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Mr Kk is a lucky man to have you (& I am sure he appreciates you ) 

    you have so much going - the gardening is probably helping you with the stress and all that physical work will make you sleep 
    Boo to your work grumpies 

    on your skin, it will settle down so try and get more sleep and drink more water .. 
    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
  • Watty1
    Watty1 Posts: 6,904 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Smart thinking on the insurance.  Sometimes it just takes an step away and a solution comes through.

    Loving the cat tales.     Have been thinking about building a catio for the feral who is now a house cat. I think she would love that.    WattyDog chases her and I'm worried if I let her out she will get chased away so often she will not come back which is why she stays in.   A catio would be just her space. I have somewhere of the french windows that would be ideal for her.  I will add it to the increasing to do list :)
    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 !!
  • beanielou
    beanielou Posts: 95,720 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sending 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*** ~~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
    Glad that the insurance is sorted. The registered keeper is important to sort asap as I'm sure you know. Sounds quite a milestone with the new bed for FIL and what that means for MIL. It's good you are able to help - although I imagine very draining too.

    Glad the garden made you smile.
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.