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Mortgage free in Forever Home :-)
Comments
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Mr KK was out early today so I managed to get out in the garden by 8am 😊
I have done quite a lot out there but because it is editing it’s not that obvious, but I know where I have been! 😉
Greenhouse weeded, cleared of running up to seed lettuce and all plants resupported.Pulled 3 wheelbarrow loads of rosebay willowherb from the front garden and hacked back nettles and brambles at the same time. Found a fuchsia 😊
Trimmed back other plants at the front so it looks a bit tidier.
Pulled foxgloves everywhere and composted.Cleared pots, trays and other clutter from conservatory and conservatory steps and took it all to the potting shed.Battled through a further 3 wheelbarrow loads of ‘stuff’ from the veggie beds area … 🙄🤷♀️with peas and mint from the garden 😊 It was good, I would make it again.6 rows of knitting done.Wrangled Mr KK’s and the towels washing. All dried and put away 👏💪Entertained MiL and her best friend when they popped in for a cuppa before going down to chapel. The cats, the primary reason for the visit, were charming … 😉 MiL has gone away with a copy of the knitting pattern I am using 😊
KKAs 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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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.5 -
Sounds like a good weekend overall.
How annoying on them managing to be on time during probation but not later.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/253 -
Pretty cynical I think …savingholmes said:Sounds like a good weekend overall.
How annoying on them managing to be on time during probation but not later.
I could and would support and work with honest effort, but this arrogance, no.
KKAs 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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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.1 -
But assuming that probation is 3 or 6 months you can still cut your losses at little cost to the company in the first 2 years. Obviously there's the cost of recruiting again. Seems to me that probation counts for little these days given the lack of employment rights.KajiKita said:
Pretty cynical I think …savingholmes said:Sounds like a good weekend overall.
How annoying on them managing to be on time during probation but not later.
I could and would support and work with honest effort, but this arrogance, no.
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"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅1 -
Hope today is a better day.
Love 🐞
Grow your own: £14.661 -
Change of topic!Paid £2.67 cashback + 40p TT to the mortgage this evening 😊
Tomorrow should be a significant day…. 😊
KKAs 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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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 -
Your produce stuff is going really well . I picked another tiny bunch of sweet peas today. One of those little pleasures - and not big money either. I think I paid 10p on the co op for my seeds.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
Well done on the mortgage payment, looking forward to your announcement tomorrow!2
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If it hadn’t been tanking it down with 🌧️ tonight I would have picked a fresh bunch here. Maybe tomorrow 😊 I record those as £3 per bunch on my produce tracker 😉redofromstart said:Your produce stuff is going really well . I picked another tiny bunch of sweet peas today. One of those little pleasures - and not big money either. I think I paid 10p on the co op for my seeds.
KKAs 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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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 -
Awww … thank you 😊PennysIntoPounds said:Well done on the mortgage payment, looking forward to your announcement tomorrow!
KKAs 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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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
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