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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have fun. Glad Mr KK can offer social support 
    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
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,458 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 24 May 2024 at 7:46PM
    Pfft 'steady progress', you are on it like a car bonnet m'dear, quite literally in your case! 
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Pfft 'steady progress', you are on it like a car bonnet m'dear, quite literally in your case! 
    😂😂😂😂😂
    Thank you 😊

    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. 
  • beanielou
    beanielou Posts: 95,765 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you are treating yourself. 
    Happy long weekend  :)
    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.
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Glad that you are treating yourself. 
    Happy long weekend  :)
    Thanks Beanie x
    You too 😊

    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: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 26 May 2024 at 7:48AM
    Long day yesterday. Did the builders merchants for cellcon blocks, sand and cement for the bathroom window change. Mr KK raided the butchers and I failed to get and large bamboo canes for my runner beans! 😢 Picked up a birthday card for last night’s host and a Father’s Day card which is still discreetly tucked away inside my handbag. 

    Then spent quite a lot of time clearing more weed and green strandy slime from both ponds - they look a lot better for it. Saw loads of dragon fly nymphs casings around the big pond and electric blue and Red damselfly pairs laying eggs all over - seems to be a great year for them. It’s like the air is full of flying jewels. 😊

    Then spent the afternoon preparing dessert for last night and having a meeting with the Parish Clerk who is a really poor communicator and genuinely has no idea how to do even the most basic tasks on email etc …. (I was helping him forward an email, with attachment to multiple people yesterday, including how to actually a format an email to make it readable …. This is going to become tiresome very quickly I think …) 

    Quick shower and then raced round next door for the barbecue with a gallon jar of Mr KK’s 18 month old Perry from our pear trees and the dessert I made from our rhubarb! 😊 It was good night but I definitely ate and drank too much (I had two big insulated mugs of tea to try to keep warm). Gave up at 9.30pm when I just got too cold and it was getting midgey and damp. Didn’t sleep well, I suspect because of all the food / carbs / undercooked veggie skewers but have been able to have a lie in this morning, so although I feel a bit tired I’m not too bad 😊

    Today will be a quiet one with no great ambitions beyond a bit of cleaning (to get it done!), financial updates (ditto), knitting (am a row behind as only had time to do one yesterday) and maybe some reading 😊

    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. 
  • Brie
    Brie Posts: 14,935 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I love the idea of the air being full of flying jewels!!!
    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
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