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Mortgage free in Forever Home :-)
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Loving the flowers. Be kind to yourself. You are still feeling all the emotions even if slightly removed xxI 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.1 -
Thanks all. Feeling a bit better after the time in the garden and decompressing after work 😊@f0xh0les, there is free milk in the offices. They get through about 6 pints a day! I asked if the canteen could supply oat milk for me and whoever the surreptitious other user of my milk is …. My boss took me aside and said that he would only buy ‘standard’ milk and no other milks. I said that was pretty discriminatory, he got cross, I gave up and left the office as we both had meetings to go to! 🤷♀️
@Brie, I’m not sure how to look after myself…. But maybe Monday will give me some headspace away from the melee!KKAs 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.5 -
Glad you booked a day off.
Glad you asked for what you needed at work too - even if it wasn't well received.
Really good that the hospice nurse is coming to help. That sounds a huge step forwards - albeit an uncomfortable milestone. Hugs.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 10/10/250 -
With the bank holidays coming up you could make yourself a couple of longer long weekends for minimal leave output... I have put in an order for sunny weather from this weekend for you, sounds like your garden is your decompression space anyway.
Nature heals, it doesn't need to be whalesong.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******3 -
Well gardening seems to help you and tidying seems to be satisfying so why not head east and plant lots of stuff in my garden and tidy my greenhouse for me!!! I guess that means I might need to get in some oat milk unless I could convince you to have some herbal tea that doesn't need it..... but I know I can make some vegan treats to go with the tea......KajiKita said:Thanks all. Feeling a bit better after the time in the garden and decompressing after work 😊@f0xh0les, there is free milk in the offices. They get through about 6 pints a day! I asked if the canteen could supply oat milk for me and whoever the surreptitious other user of my milk is …. My boss took me aside and said that he would only buy ‘standard’ milk and no other milks. I said that was pretty discriminatory, he got cross, I gave up and left the office as we both had meetings to go to! 🤷♀️
@Brie, I’m not sure how to look after myself…. But maybe Monday will give me some headspace away from the melee!KKI’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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅4 -
FiL died this morning, quite suddenly after the overnight nurse left.Mr KK is not working the next two days - his head is in a muddle and he’s worried he will stuff on something critical on the bathroom installation he is doing atm (his boss has expensive tastes!). I am working from home for the next two days as I am shattered (need to check my VPN access).The news came through to me this morning, when I was on one of the build lines doing a process audit. They were so kind to me, bringing me tissues etc.
Hoping to sleep and sleep and sleep tonight …..
KKAs 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.5 -
It was a kindness that it was swift and not drawn-out. Condolences to both you and Mr KK.Take the time you need, and look after your family.Sending love.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******2 -
I'm so sorry to read that, thoughts with you all.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
Big hug for you and MrKK. Sorry for your news. Wishing you a breezy post loss. All the best HotdogX1
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Sorry for your loss xx0
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