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Mortgage free in Forever Home :-)
Comments
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ππππ I call my boss that now to Mr KK when discussing my day and it makes us laugh every time β¦ πsavingholmes said:I was another one who read 'colon' in the wrong contextΒ Β
Glad the gardening is still nourishing you - and the knitting soothing. I adore the colour.
I love rich colours π
Iβve just shared this thought with Mr KK. He agrees it would be good to do something nice, but cheap, to celebrate. I had the mad idea of buying a packet of sparklers and burning through those after dark β¦ π€© We will have a think π€ πf0xh0les said:Sub Β£250k is well worth celebrating.Β Even if it is 'just' a scone in the garden.
Been another mad busy day. Managed to get in before my boss did - heh! So he canβt moan about me finishing early yesterdayβ¦.! He did look quite surprised! πI have done an inventory of all three freezers (not as bad as it sounds - they are all larder sized, one in the kitchen, two in the cellar) as our monthly food spend is at 108% of budget and we have another weekly shop to go before my next payday! We are determined to eat the freezers down - we think we could get two weeks meals out of them for the two of us. I have to confess to having 24 veggie sausages! π³π I have no idea how β¦ π€·ββοΈ But there is some ancient, frozen, chopped, cooked beetroot, so I am thinking of some kind of sausage batch-stew-casserole type thing β¦.
Survey for remortgage happened this morning. ApparentlyΒ the only question the surveyor chap asked, was about whether the house was under pinned. Oh, and whether we were remortgaging to pay for the bathroom - with no reaction when he was told that it was all already paid for. He poked around a lot at the cracks in the external render and used his damp meter a LOT. We are both feeling a bit βpicked atβ β¦.. Cross your fingers for a half decent valuation as I hear surveyors are being quite defensive atm β¦.
KKAs at 15.09.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£230,969
- OPs to mortgage = Β£12,345 Estd. interest saved = Β£5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th OctoberΒ
Produce tracker: Β£426 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β4 -
Positive energy for survey.ΒI 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 -
Sparklers and a bbq?Β Β obviously not using all the sausages, although bbqs and kittens might not go so well together.We are supposed to be having 22 degrees for the rest of thia week and the weekend, going up to 24 and 26 next week.Β It seems summer is finally coming for the solstice.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 π’ π’ π’ π’ π’ π’π’ π’ π’ π’ π’ π’ π’ π’π’π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******1 -
Hope the survey went wellΒMortgage OP 2025 Β£7050/7000Mortgage OP 2024 Β£7700/7000
Mortgage balance: Β£34,965
Money making challenge Β£78/400
βDo what others wonβt early in life so you can do what others canβt later in lifeβ (stolen from Gally Girl)1 -
Window removal, hole bashing and refilling to reshape the orifice starts in the bathroom today. (Must remember to transfer half a days wage to Mr KK for this evening.) We are hoping that the new patch of wall will be rendered and the window in by Sunday night β¦. π€
Made plans to see a friend whoβs just moved into her first owned and βforeverβ home in a park home at the weekend π Must buy carrot cake (her favourite)! πBeautiful here, but already getting too warm to sleep properlyβ¦. As Mr KK is here today, have left both my bedroom windows open - hopefully that will help bring it down from 21C.ΒGetting very, very tired. Might book a week off after bathroom should be done and US VIP has been and gone in mid July.ΒKKAs at 15.09.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£230,969
- OPs to mortgage = Β£12,345 Estd. interest saved = Β£5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th OctoberΒ
Produce tracker: Β£426 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β5 -
A week off sounds a great call. You've had a lot on.
Hope the mortgage value turns out okay.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£171.8K Equity 36.37%
2) Β£2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC Β£27.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 34/Β£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5K updated 10/10/251 -
Hope the survey all is OK. Hve you thought about buying an outdoorΒ solar lamp as some of those look great and you can 'flash' some of them as well as take it with youDON'T BUY STUFF (from Frugalwoods)
No seriously, just donβt buy things. 99% of our success with our savings rateΒ isΒ attributed to the fact that weΒ donβt 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.Β Β Β Money doesnβt 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#latest2 -
Thanks @savingholmes, Iβd didnβt actually manage to find time to book a week on Friday - every time I tried someone else interrupted me! I also failed to ring the GP about a blood test to renew my meds! π
Have emailed myself at work to remind myself about both of these things so I can forget about them for now.Β
Thank you π But why the comment about the solar lamp - now confused πLadyWithAPlan said:Hope the survey all is OK. Hve you thought about buying an outdoorΒ solar lamp as some of those look great and you can 'flash' some of them as well as take it with you
Just managed to cash out Β£6.12 on QM33 - first time in months! Also added a 99p TT to an OP this morning π Nice way to start the day.ΒItβs bright but damp here and I am heading out to see my friend late morning, so I must get myself in gear and plant out the last of my beans and the black eyed Susans on the bean frame and tie them in before breakfast π
KKAs at 15.09.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£230,969
- OPs to mortgage = Β£12,345 Estd. interest saved = Β£5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th OctoberΒ
Produce tracker: Β£426 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β3 -
In your honour, I have planted some runner beans (ys 20p for 4 plants x 2) and stuck them in a planter, they have shot up about a foot.Β Β I did leave the broad beans behind though.Β Β Everything has really taken off and come into bud in the last week, which is marvellous.Β Β Taking a week off sounds like a great idea.Β Β Have a lovely weekend.
4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 π’ π’ π’ π’ π’ π’π’ π’ π’ π’ π’ π’ π’ π’π’π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’ π’
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******1 -
In my honour?? π€·ββοΈππ I hope they βrunβ well for you πf0xh0les said:In your honour, I have planted some runner beans (ys 20p for 4 plants x 2) and stuck them in a planter, they have shot up about a foot.Β Β I did leave the broad beans behind though.Β Β Everything has really taken off and come into bud in the last week, which is marvellous.Β Β Taking a week off sounds like a great idea.Β Β Have a lovely weekend.
KKAs at 15.09.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£230,969
- OPs to mortgage = Β£12,345 Estd. interest saved = Β£5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th OctoberΒ
Produce tracker: Β£426 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β1
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