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Mortgage free in Forever Home :-)
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All good vibes for today. 💜💙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 -
Pleased to hear Mr KK is now testing negative.
Hugs to you both for a very emotional day.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
Thanks @beanielou, @Baileys_Babe ❤️
Done. Absolutely shattered, back on the sofa, in our scruffs with a brew now.Eulogy went well - MiL and Mr KK very happy with it and I had a lot of compliments. The crem was packed - I don’t think I have ever seen it that full. People laughed where they should have and those that contributed recognised ‘their bits’. The journey to the crem was nice with the bikers (about 8 of them) all joining at a specific point - I let them in, in front of me, so they were only one vehicle back from the hearse.All feels very quiet and still now ….
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: £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.7 -
Glad it all went well and you're able to relax. Hope Mr KK continues to improve - tell him to take it easy!!!
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
⭐️🏅😇🏅2 -
You will be so pleased that it’s done. A new chapter begins. 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 -
So pleased for Mr KK that he was able to go without worrying about infecting others. Glad the service went well.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 -
Well done you, it's not easy writing let alone also delivering a eulogy, proud of you.
Don't forget that these things as well as all the grief and worry take it out of us, so make sure to consciously prioritise your wellbeing for a while.
So glad Mr KK tested negative and what a relief the whole day went well. The bikers sound like a lovely touch1 -
Thanks @beanielou, @Brie and @savingholmes. We are both glad it’s done. Mr KK offered to stay with MiL tonight but she said “No, I’ve got to get on with it”.I felt so wiped earlier that I went to bed for a couple of hours. I didn’t sleep sleep but the dozing helped. Just been out and cleared half a bed in the veggie patch - not so impressive as Mr KK had gone over the bindweed in it recently but it is still good to get it moving …. 😊
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: £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.3 -
Thank you xPennysIntoPounds said:Well done you, it's not easy writing let alone also delivering a eulogy, proud of you.
Don't forget that these things as well as all the grief and worry take it out of us, so make sure to consciously prioritise your wellbeing for a while.
So glad Mr KK tested negative and what a relief the whole day went well. The bikers sound like a lovely touch
I did pause at the start to settle myself as the hymn had made me tearful and the celebrant said he had been ready to take over, but once I started he knew it would be okay. 😊
I did have one of Mr KK’s uncles ask me to do his eulogy afterwards! 😳😂 Umm, no thank you …! 😂
A cat tax photo, together but not fighting for once:
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: £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.4 -
Sounds like the funeral went well, perhaps MIL just wanted time to herself after putting on a brave front up til now.Mortgage OP 2025 £6250/7000Mortgage 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)1
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