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Mortgage free in Forever Home :-)

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  • PennysIntoPounds
    PennysIntoPounds Posts: 4,459 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    That is a very productive Sunday, b*gger the cleaning! The good thing about cleaning is that it still needs to be done after you've not done it, and then you get more benefit from it, so actually the more you don't do cleaning the more long-term productive you're being *nods sagely*

    Aw that's fab the cats are loving roaming in the garden 😻
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That is a very productive Sunday, b*gger the cleaning! The good thing about cleaning is that it still needs to be done after you've not done it, and then you get more benefit from it, so actually the more you don't do cleaning the more long-term productive you're being *nods sagely*
    Really??! 😂😂😂😂😂👏😉

    Aw that's fab the cats are loving roaming in the garden 😻
    Yes, it’s lovely 😊

    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. 
  • skint_spice
    skint_spice Posts: 13,445 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 May 2024 at 8:36PM
    Glad the cats are having fun, I hope they don’t get any trouble from the neighbourhood cats.
    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)
  • CCW007
    CCW007 Posts: 1,094 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    The good thing about cleaning is that it still needs to be done after you've not done it, and then you get more benefit from it, so actually the more you don't do cleaning the more long-term productive you're being *nods sagely*



    That's my kind of logic!

    Love hearing the kitten updates 😻
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @skint_spice and @CCW007 😊

    Just done a short piece about the Dark Skies project for Chapel newsletter (in effect the newsletter for our hamlet) and reviewed a planning application that looks both innocuous in intent and potentially politically toxic … sigh ….

    Time to slather on cream to my poor, sore hands - my gardening gloves got left out in the rain yesterday and so were unusable today. I did try other gloves but I have ended up with very dry, soil ingrained hands. 

    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: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    LOving that the cats are loving being out  :grin:
    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.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That is a very productive Sunday, b*gger the cleaning! The good thing about cleaning is that it still needs to be done after you've not done it, and then you get more benefit from it, so actually the more you don't do cleaning the more long-term productive you're being *nods sagely*

    Aw that's fab the cats are loving roaming in the garden 😻
    Love this - very me.

    KK - love the flying jewels. 

    Well done on getting to 5.3 months EF at so recently emptying so much out for the car. Sounds like a productive weekend. Hope tomorrow is lovely. I managed to be under cover during the storm today but still at the garden centre so surrounded by plants which was nice in its own way.
    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: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    LOving that the cats are loving being out  :grin:
    They are starting to expect it now as their ‘right’. Much indignation this morning, until I opened the door! 😉 Eventually they will have free rein to come and go just as they please ….


    KK - love the flying jewels. 

    Well done on getting to 5.3 months EF at so recently emptying so much out for the car. Sounds like a productive weekend. Hope tomorrow is lovely. I managed to be under cover during the storm today but still at the garden centre so surrounded by plants which was nice in its own way.
    I think the flying jewels came to me as I was down on my hands and knees by the edge of the pond so almost level with them zooming about over the surface of the pond 😊

    It’s remarkable how unsettled I felt not having it, when two years ago I had no EF and debts … Things have shifted for me 😊 I can’t take too much credit for rebuilding the EF quickly - my mother’s cheque and the scrag end of my bonus, after taking out a chunk for the bathroom, made a huge difference! 😉😊

    Slept right through last night! 🎉🥳👏 Very quiet here atm as Mr KK is still asleep and the kittens are out baby-marauding. 

    Targets for the day:
    - cleaning - I really should! 😂
    - at least two rows of knitting
    - ring my mother
    - steel myself to ring the councillor who wants to have a meeting about the innocuous looking planning application just to see if he does actually have any valid concerns. Will need to rummage out the guidance I have been given on the grounds we can / can’t object on first so I go in prepped. (I really resent having to deal with this on a BH I have to say!)
    - finally track down and order bean poles
    - see whether broad beans are ready for harvesting - they were getting close a couple of days ago
    - plant up the courtyard pots with begonia and lobelia
    - pot on everything in the conservatory that I can’t plant out in the garden yet … 🙄
    - reading - currently devouring a very good book about a man who ended up in the court and prison system in the UK after a really poor start in life. 

    I think that lot will do! 

    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. 
  • redofromstart
    redofromstart Posts: 5,870 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    That is a great pension contribution, decent matches seem to be quite rare now. 

    I got bean poles in Home Bargains but they are only 1.2 metres, fine for my broad beans but no use for runners.  
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That is a great pension contribution, decent matches seem to be quite rare now. 

    I got bean poles in Home Bargains but they are only 1.2 metres, fine for my broad beans but no use for runners.  
    The matched contribution level was one of the things that made me stay there when I started looking at another role last summer. 

    I got my bean poles from Suregr33n. 

    Have tidied up the Black Eyed Susan that I have growing you through the Hoya in the conservatory. This was an experiment a few years ago that seems to be going really well - the leaves are four inches long this year 😊🤷‍♀️

    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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