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Mortgage free in Forever Home :-)
Comments
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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 😻https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 57
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
PennysIntoPounds said: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*
Yes, it’s lovely 😊Aw that's fab the cats are loving roaming in the garden 😻
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Glad the cats are having fun, I hope they don’t get any trouble from the neighbourhood cats.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
PennysIntoPounds said: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 😻2 -
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.
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
LOving that the cats are loving being outI 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 -
PennysIntoPounds said: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 😻
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 £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
beanielou said:LOving that the cats are loving being outsavingholmes said:
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.
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 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
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.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
redofromstart said: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.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 😊🤷♀️KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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
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