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Mortgage free in Forever Home :-)
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I love sweet peas.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.2 -
Brie said:demanding pictures of sweetpeas. If only so I can show them to my plants and say "What the Blinking What?" I have one flower.....
Here you go 😊
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 46 books of target 52 in 2025, as @ 28th 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 -
They have been reluctant and feeble for aaaages ….! All of a sudden they ave just shot up 😊❤️beanielou said:I love sweet peas.
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 46 books of target 52 in 2025, as @ 28th 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 -
They are stunning
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.2 -
Love sweet peas. Can you give mine a talking to please?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 29/7/252 -
I can see I am going to have a new career as ‘sweet pea whisperer’! 😉😂savingholmes said:Love sweet peas. Can you give mine a talking to please?
In all seriousness, for me, in my garden I think it’s just the sudden dose of rain after being so dry for so long. Check yours - they may be doing more than you think … 🤞
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 46 books of target 52 in 2025, as @ 28th 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 -
Love the sweet peas. Have not planted any for years. Maybe next year. And sunflowers too. Both make such wonderful cut flowers for the house.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
Last night I ‘made an executive decision’ and culled the plants still waiting for planting out in the conservatory down the ones I am actually like to action, are actually likely to live! Feel so much better in there for having done that. Much less watering too.Tonight I want to try to ‘reclaim’ my office. It’s horrid in there as Mr KK has been using it as a tools / material store whilst doing the bathroom next door and there is still diy stuff in there, dust and rubbishy bits everywhere, insulation scraps on my desk where he has been climbing into the roof space above etc. It makes the space unusable for me and I haven’t updated my / our finances for two weeks as a result. So, the first step is organising / clearing it.I really want to sort the bathroom / toiletries, but there is no point doing that until after next Tuesday when the flooring goes down as Mr KK will be pulling out both the vanity unit and the loo for that task.The other major tasks today will be giving ‘them that doesn’t see why they have to come into work at the time required’ a formal letter from myself / HR …. I suspect that will kick off so I will do it in a small meeting room off the main office and late in the day … Ugh ….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 46 books of target 52 in 2025, as @ 28th 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.6 -
Urgh, good luck 🙄 I was complaining about work quite a lot this week but at least I don't have to deal with other people's performance issues like that. Although the way things are going I may be given that responsibility in the future 🙄 Will be looking to you for inspiration!3
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Good luck with the letter giving.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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