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!
Mortgage free in Forever Home :-)
Comments
-
Loving the cat tales … and already they are in control of the KK householdDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t 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. Money doesn’t 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#latest4 -
@redofromstart, yes, just one more day and then 9 days away from it all. This work week has been truly dreadful …. I will so glad once it’s done!
Of course! It took them a while but we are just about trained to their standards now 😉LadyWithAPlan said:Loving the cat tales … and already they are in control of the KK household
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.7 -
In other news ….
I have potted up the cotoneaster that was growing out of the garage downpipe 😂 for someone who is planting up one of the local village hall gardens and was asking for them on the local FB page 😊
Plumber turned up and after a LOT of fiddling and wet floor, managed to seal the leak at the bottom of the bathroom radiator. 👏😊
Mr KK finally finished the truck rebuild and we went out for a couple of miles - just to check that she rattles, rumbles, shakes and grinds just like she should - she does and that means Mr KK goes to the ball, sorry, the vehicle show, tomorrow until Sunday 😊❤️ It will do him good (he is taking many books with him) and I get to start my week off alone and in silence - utter bliss 😊
All of that, following on from an after work meeting, meant neither of us sat down until 9.30pm - I’m just about to go to bed! 😂
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.6 -
Hope your last day in before the break was an improvement - and either way that the next 9 days nurture your soul.
Well done on getting sub £250K.
Laughed at the kitten antics. My cat was looking most horrified today - and I realised there was also an intruder cat with similar colouring on the upper terrace of the garden aka narrow strip...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 14/11/251 -
Ummm … just as mad as the rest of the week … finally had to start batting things off to other people …. Actually managed to escape on time, which was a win, and drove all the way home smiling 😊savingholmes said:Hope your last day in before the break was an improvement - and either way that the next 9 days nurture your soul.
Well done on getting sub £250K.
Laughed at the kitten antics. My cat was looking most horrified today - and I realised there was also an intruder cat with similar colouring on the upper terrace of the garden aka narrow strip...
I have clean sheets on my bed, the house to myself (Mr KK and his truck are both safely ensconced at the steam rally 😊), the cat-monkeys are fed, the house is very warm, the forecast for the week,looks pretty good. I’m happy 😊
How very dare another cat intrude on your cat’s patch! 😳😉😂
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 -
Happy holidays
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 -
As 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 -
Happy holidays! I bet mr KK has a great time at the steam rally too. I've been dragged round a few of those and always think how much the exhibitors must enjoy it.My new little princess is purring happily on my kindle - her favourite sleeping spot.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo5 -
happy holidays.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 -
Thank you 🤩 It sounds like a lot of people Mr KK knows are going to be there including someone he’s never met F2F but has been conversing with for a decade from Holland 😊 He’s taken along a huge gazebo that his parents used to use at the bike rallies to shelter under today and I suspect that might become an informal club space this evening if the forecast is as expected 😊 He’s left me a wristband so I can go up on Sunday - that meant a lot to him that I said I would 😊redofromstart said:Happy holidays! I bet mr KK has a great time at the steam rally too. I've been dragged round a few of those and always think how much the exhibitors must enjoy it.My new little princess is purring happily on my kindle - her favourite sleeping spot.
Awwww for a purring Princess - she’s obviously cottoned on to how lucky she is ❤️
Thank you 😊Watty1 said:happy holidays.
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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.5K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.4K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards