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Mortgage free in Forever Home :-)
Comments
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Well done on all the gardening - and for sorting the first draft of the eulogy.
Glad the kittens are settling in and bringing some comfort. My cat doesn't seem to approve of me working. He's being very clingy when I'm not in my WFH space but seems to be avoiding that room - not sure why as in the past he's sat in the chair near me.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 29/7/250 -
Chloe cat sounds a wee sweetie.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.1 -
Aw that's a brilliant day 😊1
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Thanks @savingholmes, @beanielou and @PennysIntoPounds. 😊
Woke up with a bad dream about work. It’s getting on top of me again … sigh. I’m going to have to avoid meetings today, where I can, and just get some work done to ease the pressure on me.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 -
My sympathies on the work front. It never ceases to amaze me how sometimes (often!) I can be at work for the whole day, with my bum in a seat, but not actually get any work done....Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
No real suggestions on work. At least the weather is nice currently.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 -
The week is done! Phew …. Today was usefully productive and I actually managed to update my todo list for the first time in a month! 😂
Popped to the chemist on my way home and picked up my meds - good thing really as I finished the last one this morning! Need to drop and email to the GP surgery to check when my blood tests are next due as they sometimes block the prescription if I haven’t had one (bit don’t actually tell me it is coming up! 🙄).
Mr KK has come down with a genuinely heavy dose of ManFlu so is pretty mis and frustrated. I’m not even allowed to hug him atm … 😳
LCs are meandering about 😊
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.4 -
Poor Mr KK, there seems to be something going around at the moment. Hopefully lots of fluids and rest will shift it quicker. A shame to not be able to hug him but keep yourself well!
Well done on the productive day and the triumphant updating of the to-do list3 -
Mr KK has probably succumbed to something after the stress of the situation with his dad. I prescribe him having a (self administered?) kitten massage. It cures most things. Might want to ensure their little needle claws are trimmed a bit first.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
⭐️🏅😇🏅4 -
I have just a lovely half hour in the garden (no more than that, it was getting a bit midgey!) finishing a book (almost back on reading track again) and listening to the birds 😊
The book was the Fr@nces T0phill one - I wouldn’t w at her style of garden as I like some clarity of structure and formality (reading he took makes me realise! 😉) but I love how un-rule-bound she is in how she approaches her garden. That in itself is inspiring. 😊
I also downloaded the M3rlin bird app and in 5 minutes it identified:
- blackbird
- common chiff chaff
- robin
- wood pigeon
- house sparrow
- chaffinch
and c. 6 others I can’t remember. Really fun 😊
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.6
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