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Mortgage free in Forever Home :-)
Comments
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Happy anniversary to you both xMortgage 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 -
Loving the dress.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 -
Happy anniversary 😊
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Thanks @beanielou, @skint_spice and @PennysIntoPounds 😊❤️
The dress is swishy to wear - kind of fun and good to have at least one item that is semi formal. I am more my mother’s daughter than I would really like to acknowledge… 😉
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 -
No win on the PBs …. Ah well, that would be too easy! 😉
Complicated, busy, tiring work day ….
Picked lettuce from the greenhouse and the first strawberries of the year from the veggie patch 😊 Recorded them in my produce tracker. 👏
Caught up on my missing row of knitting from yesterday.
Mr KK’s accountant has finally resurfaced and will send the tax PDFs to MA on Thursday morning.
Bathroom delivery booked for Friday, 3.30pm.Boiled two eggs for breakfast and fried off some halloumi for lunch tomorrow whilst throwing tea around.Torrential rain here this evening so I am relaxing on the sofa with a clear conscience. I think last night’s gardening was just a bit too much for me.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 -
Ah there's nothing like a snuggly read while it's torrentials outside 😊
That is a very productive day even without a complex work day!
I hope you dont mind me saying, but you have been going great guns since the funeral and I expect a lot of that is rediverted energy as well as relief at everything having gone as well as these things can, but don't forget you're mentally and physically owed a wee bit of time for everything to catch up with you, so please give yourself permission to be thoroughly lazy when your body or mind tell you it's needed x1 -
Love the purple of your knitting. I'd want to keep that for myself it looks gorgeous.
Glad your time with your friend went better than expected.
Good that Mr KK's accountant is going to resolve the paperwork. Good luck with the raise for Mr KK too. Happy anniversary.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 -
KajiKita said:Thanks @beanielou, @skint_spice and @PennysIntoPounds 😊❤️
The dress is swishy to wear - kind of fun and good to have at least one item that is semi formal. I am more my mother’s daughter than I would really like to acknowledge… 😉
KK
love maxi dresses and the colour of yours is lovely
that whole having to figure out a top with a skirt or trousers never happens in my life!
I must admit to an entire wardrobe of fabulous dresses - many of which have been collected over the years at vintage shops, maybe 30% new reduced designer …
happy anniversary how lovely !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#latest1 -
PennysIntoPounds said:Ah there's nothing like a snuggly read while it's torrentials outside 😊
That is a very productive day even without a complex work day!
I hope you dont mind me saying, but you have been going great guns since the funeral and I expect a lot of that is rediverted energy as well as relief at everything having gone as well as these things can, but don't forget you're mentally and physically owed a wee bit of time for everything to catch up with you, so please give yourself permission to be thoroughly lazy when your body or mind tell you it's needed xsavingholmes said:Love the purple of your knitting. I'd want to keep that for myself it looks gorgeous.
Glad your time with your friend went better than expected.
Good that Mr KK's accountant is going to resolve the paperwork. Good luck with the raise for Mr KK too. Happy anniversary.
I’m relieved that it did. But still find her intense.Thanks for the good wishes 😊LadyWithAPlan said:I LOVE a swishy dress, I also
love maxi dresses and the colour of yours is lovely
that whole having to figure out a top with a skirt or trousers never happens in my life!
I must admit to an entire wardrobe of fabulous dresses - many of which have been collected over the years at vintage shops, maybe 30% new reduced designer …
happy anniversary how lovely !
I never have much luck in charity or vintage shops - I’m quite broad across the top of my chest or shoulders, so it becomes difficult to find something that doesn’t make me look bulky on top and like I’m bursting out of things. I’m surprised you don’t find the same with all the weight training you do?
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.2 -
Definitely allow yourself some funds to invest in your wardrobe. It really can make a difference - as long as you manage to rein it in after.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 29/7/251
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