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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 29,212 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    10k steps on a lazy day... Good job you can't see my normal step counter. It was fab while I was away but not so much normally. 

    Hope the plumber turns up  and resolves things. 

    Lovely photo of cats. 

    On the job - count down the days to your holidays - and then perhaps put feelers out. I imagine though in your line of work this kind of behaviour is not that uncommon. They tend to treat places / staff as fiefdoms I think...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 14/7/26 (but owed £450) so £2.2K
    3) Mortgage neutral by 06/30 (AVC £44.2K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.5K of £127.5K target 39.6% July 26 (If took bigger lump sum = 72.4K or 56.8%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • savingholmes
    savingholmes Posts: 29,212 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi KK - I understand sticking with the job. Glad it has its compensations. 

    Hope the weather is kind enough to allow you in the garden today. I currently have a thrush, a robin and possibly a dunnock in my garden. Blackbird just showed up and a sparrow. I find watching their antics very satisfying.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 14/7/26 (but owed £450) so £2.2K
    3) Mortgage neutral by 06/30 (AVC £44.2K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.5K of £127.5K target 39.6% July 26 (If took bigger lump sum = 72.4K or 56.8%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • beanielou
    beanielou Posts: 100,491 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fingers crossed on the plumber.
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 14 months left.
  • savingholmes
    savingholmes Posts: 29,212 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you've traced the leak. And that you got some time in your beloved garden. I still have things to plant... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 14/7/26 (but owed £450) so £2.2K
    3) Mortgage neutral by 06/30 (AVC £44.2K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.5K of £127.5K target 39.6% July 26 (If took bigger lump sum = 72.4K or 56.8%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • skint_spice
    skint_spice Posts: 13,772 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope you manage to get the plumbing sorted out today🙏
    Mortgage OP 2026 £1030/2000
    Mortgage balance: £31,116

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
    Jun £120

    Summer challenge £120/300

  • KajiKita
    KajiKita Posts: 10,406 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    beanielou said:
    Fingers crossed on the plumber.
    I hope you manage to get the plumbing sorted out today🙏
    Thank you. Me too … 🤞 Camp wash and cats fed in dirty bowls this morning. You suddenly appreciate how often you turn a tap on! I will wash all my work food containers in work today, just in case. 

    Glad you've traced the leak. And that you got some time in your beloved garden. I still have things to plant... 
    Ummmm … Me too. It’s got to the point now where I have to make a decision - get on and get them in or bin them!

    Kk
    As at 16.07.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 50 books of target 52 in 2026 as @ 12th July. 
    Produce tracker: £180 of £400 in 2026

    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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