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Mortgage free in Forever Home :-)

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Comments

  • beanielou
    beanielou Posts: 96,789 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    The kittens sound such fun 🤩😻
    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
    Sorry for your loss.  Hope Mr KK doesn't find it too distressing dealing with his mom.  A good weep on each other is great but then hopefully then can pull out some pictures and find something to smile about.  

    Like kittens.  If I was you I'd be lying on the floor and let them bounce about.
    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.

    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
    ⭐️🏅😇🏅🏅🏅
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the kittens are raising a smile. 

    Well done on chasing up the pension. It is worth a lot I'm sure as it is a definite amount.

    Best of luck with the rest. Trying to avoid trite remarks... as there is nothing that does the weirdness of grief and loss justice and the experience is so personal.
    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
  • Watty1
    Watty1 Posts: 7,309 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to read of the loss. However expected we can never really prepare for the loss.  Sending love.

    Glad the kitties are raising a smile with their antics.  Maybe their energy can antidote a little of  the grief.
    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 !!
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,559 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Thinking of you and Mr KK.

    I'm so glad you've got the kittens bringing their own unconscious joy into the house right now with some young, energetic life.
    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
  • Cheery_Daff
    Cheery_Daff Posts: 17,643 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've just read your news KK, I'm so sorry for your loss. I'm glad you were able to get some preparations done in advance around some of the finances and I hope that makes things at least a tiny bit easier for everyone,  especially Mr KK and his mum,  and therefore you too.

    I too think it's perfectly normal and acceptable to be doing pension and 'normal' things at this point.

    Big hugs to you all xxx
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