We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Mortgage free in Forever Home :-)
Comments
-
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 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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.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 £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
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 29/5/263 -
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 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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.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.
KKI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅🏅🏅1 -
Hope today is a better day.
Love 🐞Declutter 1352/ 2026
£145.56 saved by growing and eating my own 2026
books read 8in 2026
£320 🥳 funpot
🐞change pot £79.631 -
Change of topic!Paid £2.67 cashback + 40p TT to the mortgage this evening 😊
Tomorrow should be a significant day…. 😊
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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.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!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
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 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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.3 -
Awww … thank you 😊PennysIntoPounds said:Well done on the mortgage payment, looking forward to your announcement tomorrow!
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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.3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.8K Banking & Borrowing
- 254.5K Reduce Debt & Boost Income
- 455.6K Spending & Discounts
- 247.6K Work, Benefits & Business
- 604.5K Mortgages, Homes & Bills
- 178.6K Life & Family
- 262.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards