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Mortgage free in Forever Home :-)
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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.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.
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STRUGGLING DURING THE HOLIDAYS??
click here for ideas on how to cope....Some websites and helplines if you're struggling this Christmas — MoneySavingExpert Forum3 -
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 2026 £50/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,546
Make £50 a month Jan £20
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Wow! 😳🤩😂👏Brie said: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.
I look forward to this stage … maybe … some time! 😂skint_spice said: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!
Actually done a couple of MSE things today:
Cancelled a wash sheets subscription. I am drowning in them and they are actually very expensive. I will use them up but I won’t bother again.Also harvested some lettuce from the greenhouse - just enough for my lunch salad tomorrow. I did the same yesterday 😊 Go me - eating my own produce! 🤩👏❤️Mr KK is a touch brighter today but very fed up, especially with not being to taste anything still. We’ve been discussing tactics for Thursday if he’s still positive by then …. I actually don’t think he will be 🤞
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
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: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +12 -
Ooh nice progress on the lettuce.
Hope mr KK is feeling better and that you dodge it. Can you join online if need be?
My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
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 £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/250 -
I am still dosing him vigorously with very known helpful supplement. Even if just for the placebo effect! 😉 His positive result is now faint …. 😊🤞Merlin's_Beard said:Poor Mr KK! Ihope he's both negative and feeling better by Thursday.
Getting there I think. No arrangements for online attendance.redofromstart said:Ooh nice progress on the lettuce.
Hope mr KK is feeling better and that you dodge it. Can you join online if need be?Harvested tonight’s salad lettuce again - it doesn’t keep for two days so I have to harvest every night. Another 10g. 😊 🥬
Yes, I have quite few dahlias for both the beds and the cut flower patch 😊savingholmes said: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?
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
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 …KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
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*1
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Thanks for the wafting - that’s made me chuckle 🤭PennysIntoPounds said: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*
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3
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