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Mortgage free in Forever Home :-)

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  • Brie
    Brie Posts: 14,923 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Best cat moment was when there was a bird in the house flapping about and our cat was throwing itself about trying to catch it.  OH opened a window wide and was trying to shew the bird out when it decided it was better to sit on a low table.  Cat pounced and the bird disappeared.  OH picked up the cat and saw there was a pair of feet sticking out of its mouth.  A violent shake of the cat caused it to open it's mouth and the bird flew out unharmed and exited through the window.  
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    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
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  • skint_spice
    skint_spice Posts: 13,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My cat seems to have stopped killing things, either she’s getting slower or not so fussed. She does rush up trees from time to time but the birds and squirrels must see her coming - thankfully!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,487 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Poor Mr KK!  Ihope he's both negative and feeling better by Thursday.
    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
  • redofromstart
    redofromstart Posts: 5,870 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Ooh nice progress on the lettuce.

    Hope mr KK is feeling better and that you dodge it. Can you join online if need be? 
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope that the KK household is well for the funeral.

    Well done on all the gardening progress. Must be nice to see what you've got done. Have you got any dahlias planned for this year?
    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
  • KajiKita
    KajiKita Posts: 7,890 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Poor Mr KK!  Ihope he's both negative and feeling better by Thursday.
    I am still dosing him vigorously with very known helpful supplement. Even if just for the placebo effect! 😉 His positive result is now faint …. 😊🤞

    Ooh nice progress on the lettuce.

    Hope mr KK is feeling better and that you dodge it. Can you join online if need be? 
    Getting there I think. No arrangements for online attendance. 
    Harvested tonight’s salad lettuce again - it doesn’t keep for two days so I have to harvest every night. Another 10g. 😊 🥬

    Hope that the KK household is well for the funeral.

    Well done on all the gardening progress. Must be nice to see what you've got done. Have you got any dahlias planned for this year?
    Yes, I have quite few dahlias for both the beds and the cut flower patch 😊

    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: £353 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. 
  • KajiKita
    KajiKita Posts: 7,890 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Long day followed by very dry evening (annual parish meeting, AGM for PC and general PC meeting … 🙄) at the parish council where the soon to be ex chair and the longest serving councillor tried very hard to make me take on the chair role …. I was resolute in my No! 

    Very proud that in spite of not getting home I have STILL managed to prep all my lunch etc for tomorrow! Proper tired though …

    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: £353 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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,450 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Well done on standing firm about not taking on more, and getting all the things especially lunch done. Great news Mr KK's positive line is looking fainter *wafts not-having-covid air towards the general direction of you both*
  • KajiKita
    KajiKita Posts: 7,890 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on standing firm about not taking on more, and getting all the things especially lunch done. Great news Mr KK's positive line is looking fainter *wafts not-having-covid air towards the general direction of you both*
    Thanks for the wafting - that’s made me chuckle 🤭 

    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: £353 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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