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Mortgage free in Forever Home :-)
Comments
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Now OOO until Monday - phew. It’s been a manic three days. I actually refused to join a call someone was trying to pull me into without warning this afternoon, it’s very rare that I do that.‘Treated’ myself on the way home this afternoon by popping to the local plant centre to get fresh bags of compost and trailing lobelia for potting up my patio pots. That will be Friday’s therapy 😉 Also given myself a clean nightdress this evening - a day early but I felt I needed it.Eulogy updated and polished and a hard copy of The Bikers Prayer printed out to be read by one of FiL’s biker friends ❤️ Checked that I have pop socks ready for tomorrow and I do. 👍Will take our car to be washed first thing tomorrow morning as it is covered in seagull poop thanks to the population we have there. Mr KK is gong to have to travel with me because he is still testing positive.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.5 -
Hope it goes ok tomorrow, and that mr KK feels a bit better in the morning.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
Sending buckets of moral support. 🪣 🪣 🪣.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******2 -
Sending love & positive energy your way xxI 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 -
Hope it all goes alright today x1
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Thanks @redofromstart, @beanielou, @PennysIntoPounds ❤️
We both slept quite well, best night for Mr KK since he got ill. He does still feel a bit groggy this morning, but we have a couple of hours for him to ‘come to’ before we need to leave.Finally made the first OP from QM33 this morning in aaaages. £5.21 from there and a 53p TT from our joint account. It’s small but makes me feel a bit more ‘re-set’ iyswim.Beautiful day here. Hope it stays like this - would be nicer for the bikers riding in procession behind us.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.7 -
Thinking of you today, hope it all goes well.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)1 -
The biker processions sounds lovely.
Glad you have nicer weather - hope it stays dry for you all.
Sending love and peace your way.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 -
Thinking of you and yours today xMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!1 -
Thanks @skint_spice, @savingholmes and @Watty1 ❤️
I have some good news! …. Mr KK is negative this morning!! 🤩🥳🎉 He was tearful when I got home and he told me … ❤️
Car washed and used the opportunity to pop into M0rrisons and buy Mr KK some new socks - I know it sounds strange but he NEVER dresses formally and I wasn’t convinced that his current black socks (1 solitary pair) would actually be fit for use …
I’m changed and we are both having a brew before heading out …
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.8
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