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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the visit went well.

    Hope you recover quickly from the fall and bite.
    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
  • Brie
    Brie Posts: 14,915 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Your busy days quite wear me out!!  
    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
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  • PennysIntoPounds
    PennysIntoPounds Posts: 4,446 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Blimey well done getting all that done, glad you managed to fit in a power nap too!
    How annoying of the Chair, do you want to stay as Vice? You're under no obligation to be given extra stress and your FiLs funeral is an understandable opportunity to get your standing down done first!
    That's great you've made a solid inroad on the eulogy. That sort of thing is knackering in every single way so make sure to give yourself permission to be extra kind to yourself until after it's done
  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Absolutly do not take on the chair.  Way more trouble than it's worth~~unless of course you really want to!
    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.
  • redofromstart
    redofromstart Posts: 5,867 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    My beans got attacked by a blasted slug over night, most annoying. Still time to plant some more though. The bindweed sounds most annoying. Much sympathy. 

    Just a scratch and a slight bruise from the carelessly handled pick axe, thank you for asking. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,755 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    KajiKita said:
    beanielou said:
    KajiKita said:
    No win on the PBs … 😉🤷‍♀️
    Guess I will have to go to work again today then 😉

    KK
    How very unfair. 
    I know, positively rude! How very dare they!! 😂😂😂😂
    … 
    Mr KK was saying over dinner that he feels skint with all the time off he’s had to take off recently to help his mum. I told him he had provisional orders all over the country with MSE cat owners wanting catios - I ‘drew some pen portraits’ of you all for him and it made him laugh - so thank you for cheering him up 😊❤️

    KK


    Now I really want to see those pen portraits of us all - the mind boggles what your pen thinks we look like :) 

    (I fear we may end up looking like a grown up version of the 7 dwarves ) 
    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
  • KajiKita
    KajiKita Posts: 7,883 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    My beans got attacked by a blasted slug over night, most annoying. Still time to plant some more though. The bindweed sounds most annoying. Much sympathy. 

    Just a scratch and a slight bruise from the carelessly handled pick axe, thank you for asking. 
    Ugh …. Sympathies. I’m a bit obsessed with slugs and won’t plant out my ‘babies’ unless I have protection for them! We can start a comparison between us now on a ‘race’ to harvest 😉

    Now I really want to see those pen portraits of us all - the mind boggles what your pen thinks we look like :) 

    (I fear we may end up looking like a grown up version of the 7 dwarves ) 
    Actually they were quite affectionate… 😊😉

    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 = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £339 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. 
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