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Mortgage free in Forever Home :-)
Comments
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That session sounds great, good for you for doing it- and he's right, you are in a good position so don't be so hard on yourself!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63 -
I think that someone like you would be both scary and refreshing for anyone providing financial advice. The fact that you know things should make things easy for them but also challenges them to find something you don't already know.
Glad you found the time productive.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
⭐️🏅😇🏅🏅🏅2 -
@skint_spice, thank you. You’ve made Mr KK feel better - our cats are ignoring it atm! 😂😂🤷♀️
@PennysIntoPounds - thank you. I just want to feel safe and secure and I think that today’s call has given me the beginnings of a plan to achieve this … 😊
@Brie, to be fair to him, the reason I chose him is because he is deliberately different to most FAs - he is very focused on empowering and educating those he works with as clients.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.4 -
Being and feeling as safe and secure as possible is the best aim any of us could wish for/work towards. But I'll just sneak in a timely loving nag- you are safe and secure. Mr KK is a good 'un, you have a home and garden you can afford to pay for that also has scope for projects you'll enjoy, you have a job that doesn't sound like it gives you more grief than most jobs, and you have skills and intellect and health to change that any time you like, and you have friends in the actual and online world who care about you.
Absolutely get on with your plan to be even more safe and secure, but stop doing yourself down, woman! You are safe and secure so remember to enjoy that toohttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63 -
Very impressive catio. Are you going to put in things for them to climb etc? I don't know whether you have any old logs or tree stumps they could use to scratch their claws on?
Your financial coach sounds good. Better than others I've heard of on here. Very nice of him to offer a free session to your DH.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 10/10/252 -
I agree with all of this apart from the ‘have house and garden you can afford to pay for’ - this is where my anxiety lies. 😊😉PennysIntoPounds said:Being and feeling as safe and secure as possible is the best aim any of us could wish for/work towards. But I'll just sneak in a timely loving nag- you are safe and secure. Mr KK is a good 'un, you have a home and garden you can afford to pay for that also has scope for projects you'll enjoy, you have a job that doesn't sound like it gives you more grief than most jobs, and you have skills and intellect and health to change that any time you like, and you have friends in the actual and online world who care about you.
Absolutely get on with your plan to be even more safe and secure, but stop doing yourself down, woman! You are safe and secure so remember to enjoy that too
Thank you for this caring and kind response ❤️
Yes, Mr KK has some tree trunks / lumps at work in mind that are just hanging around. He’ll ask his boss but it’s unlikely that he will refuse 😊savingholmes said:Very impressive catio. Are you going to put in things for them to climb etc? I don't know whether you have any old logs or tree stumps they could use to scratch their claws on?
Your financial coach sounds good. Better than others I've heard of on here. Very nice of him to offer a free session to your DH.
Yes, I was pleasantly surprised by how upfront and constructive he was. I will talk it all though with Mr KK towards the end of the week. Tonight is not the time - he’s too burnt out by the whole day he’s spent at his mum’s etc.
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.4 -
Wow, that was a quick build of the catio
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.2 -
sound like the type of adviser I need!!!KajiKita said:@skint_spice, thank you. You’ve made Mr KK feel better - our cats are ignoring it atm! 😂😂🤷♀️
@PennysIntoPounds - thank you. I just want to feel safe and secure and I think that today’s call has given me the beginnings of a plan to achieve this … 😊
@Brie, to be fair to him, the reason I chose him is because he is deliberately different to most FAs - he is very focused on empowering and educating those he works with as clients.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
⭐️🏅😇🏅🏅🏅1 -
I love the catio. Could you pop round and build one for the feralkitten? I am sure she would love it and would not ignore it!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 !!3 -
Gotta love a tryerWatty1 said:I love the catio. Could you pop round and build one for the feralkitten? I am sure she would love it and would not ignore it!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 10/10/251
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