We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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 :-)
Comments
-
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 29/7/251 -
Thanks @savingholmes 😊 Managed to walk around and kneel in the garden this afternoon, so at least I am functional 😊
Been a strange day.Had a nice chilled start reading novel and a late breakfast followed by a loooong call with the chairman of the Parish Council who wants to resign, just six months after starting the role … <sigh> He was pushing me quite hard to step up to the role from my position as vice chair but I am steadfastly refusing. He reckons that it has been done incorrectly in the past and the workload should sit a lot less on the Chair - well, if that’s the case he could stay on, couldn’t he …? 🤷♀️ The clerk is struggling with the most basic of IT skills and when I was looking at the new laptop bought then Clerk yesterday I can see that part of the issue is that the software seems not to be working properly … How we unpick this I have no idea …. The AGM is a week tomorrow, with FiL’s funeral 2 days later and the Chair was planning on standing down at the AGM and handing it all to me …. Argh ….
Then spent a long time potting on and pricking out all the contents of the conservatory. All are now looking happy and comfortable and none of them, I think, have been starved before I got to them (apart from possibly the Nicotiana, just a bit), which is huge progress compared to my last two gardening seasons. Still haven’t got my runner beans sown yet, but there is still time I think.Then spent a solid hour collating and drafting FiL’s eulogy. That was quite hard. Not so much because I was writing about him, but it slam dunked me into memories of delivering my Uncle’s eulogy and the eulogy my cousin delivered at my aunt’s funeral, which really wasn’t that long ago …. Anyway, I have made a solid start on it and I hope Mr KK will review it tonight for me.
After lunch I started feeling really sleepy. So I admitted defeat and went to bed for a little. Fell straight into a 30 minute sleep and woke with my headache gone, so perhaps I needed it.Then got outside and did thorough and persistent Battle with the weeds in the veggie patch.It is official.I absolutely hate field bind weed ….The long stringy version, if you are careful, you can pull quite a section of root with it, but field bindweed has loads of multiple stems, lies flat to the ground so is hard to ‘get under’ for purchase and has a tendency to snap off just below the ground so regrows really quickly. Grrrr! 🙄 Still my garlic and shallots look happier and one dry evening this week I will get out and top dress the bed with something to feed them all 😊
Watered the lettuce in the greenhouse - need to harvest some of that later for salad lunches this week. Also left two full cans in there so I am ready to go with watering in the mornings if anything starts to look dry. It’s now getting to the time of year when I will start opening the door every morning.
Didn’t get the bathroom cleaned, but I’m sorry, I don’t care! 😉
Need to do my financial updates, have a shower and prep all my food for tomorrow. Then I can chill 😎
KKAs 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.5 -
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
⭐️🏅😇🏅1 -
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 done2 -
Brie said:Your busy days quite wear me out!!PennysIntoPounds said: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
I will. I am thinking about booking a lunch with a friend next Saturday and how I can use the Friday after the funeral to ‘feed’ me, especially as Mr KK is going away to a militaria sale with his best man that Friday / weekend so I only have myself to please.KKAs 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.5 -
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.2 -
beanielou said:Absolutly do not take on the chair. Way more trouble than it's worth~~unless of course you really want to!
I have made a decision …
Months and months and months (maybe even years ago) I started knitting a honeycomb effect lap blanket (a riff on a cot blanket) for my mother to complement the one I have already knitted for my dad. These were intended as Christmas presents. However, I went wrong early on in the pattern for my mum’s blanket and it just got too complicated and messy trying to keep track of the mistake and I abandoned it … This evening I am casting on again with a fresh ball of wool completely from scratch. I will set the pattern correctly(!) and when I need to frog the previous foot or so of messed up blanket and wash the yarn to get it to relax and reuse it.Feels good to have started this. This evening I have also dug out my runner and climbing french bean seeds. Mr KK corrected one or two details in the draft eulogy and will show it to his mum later in the week.
KKAs 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.5 -
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.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
KajiKita said:beanielou said:KajiKita said:No win on the PBs … 😉🤷♀️
Guess I will have to go to work again today then 😉
KK
…
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
(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#latest1 -
redofromstart said: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 said: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 )
KKAs 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.4
Confirm your email address to Create Threads and Reply

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