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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had fun in the garden. Your reference to flying jewels made me think of books I've read where creatures do zip about like that and one of the makers used jewels to store power - and therefore to power it.
    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 10/10/25
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,887 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Such a productive day! Glad Mr KK is doing something nice, but he's not allowed anything else nice on the weekend until he gets that paperwork together! Can he be bribed with an easy but treat brunch/lunch like a toastie if he gets up and does it Saturday morning? 
    I'm currently eyeing up our toastie maker for Saturday morning for ample sustenance before friends come round to help with moving... must make sure we have some basic food in 😁
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 57

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  • beanielou
    beanielou Posts: 96,645 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Loving the blanket. 
    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.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Glad all is well over here - the ironed allotment sounds scary - your greenhouses look fantastic btw! 

    I really like the blanket colour 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • KajiKita
    KajiKita Posts: 8,419 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @PennysIntoPounds, @beanielou and @LadyWithAPlan 😊
    I am going to get groompy if the tax documents don’t at least get attempted tonight … I will offer to ‘help’ - that will galvanise him …. 😉😂 To be fair he’s not very bribable or at least I can’t think of any ‘currency’ atm - it would have to be something equally frustrating for me to do that he wants done … 🤔

    I am getting *SO* vicariously excited for your move PiP! 🤩❤️😊 Does Mr PiP know that there is a whole community here, cheering you both on. Such good wishes for the move 😊

    I’m loving the blanket too 😊 I like choosing really lovely yarns for projects as I am very colour driven and that way I get to work with that colour / yarn for months! I never make anything for me though … Maybe my next project should be for me! I have an amazing yarn I was crocheting a chunky scarf from that is one third done. Maybe I go back to that for the winter so I make something for me 😊

    Thanks for the comments about the ’ironed allotment’ LWAP. I have been testing this in my mind over the past few days as I am still wondering if I am overreacting, but whilst I am looking forward to seeing her more, I am still ashamed to show her my garden …. 🤷‍♀️

    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. 
  • Aw thank you 😊 You're welcome to do the moving for me 😂

    Don't worry about your friend, your garden has nothing to be ashamed of. Either she'll be polite and pleased for you anyway, or she'll genuinely be admiring that you're able to appreciate gardening and nature in a way that she's not. Don't let her hangups give you hangups!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

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