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Mortgage free in Forever Home :-)

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Comments

  • CCW007
    CCW007 Posts: 1,141 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Have a good and well deserved break!
  • skint_spice
    skint_spice Posts: 13,728 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy holidays, resting with a purring cat will help calm you down.
    Mortgage OP 2026 £640/2000
    Mortgage balance: £32,222

    Make £50 a month Jan £20, Feb £0, March £31, Apr
    Boiler fund £1981/3000

  • ladybird1106
    ladybird1106 Posts: 1,265 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    And relaxxxxxx
    Love 🐞
    Declutter 984/2026
    £62.30 saved by growing and eating my own 2026
    books read 5 in 2026
    £185 🥳 funpot
    🐞change pot £39.53
  • redofromstart
    redofromstart Posts: 6,204 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I can hear the occasional 'toot' of a steam whistle in the distance (our local farm hosts the odd steam festival and seems to be a regular stop for them) and hope the weather has been kind for Mr KK and co, and for you if you have been in the garden.
  • beanielou
    beanielou Posts: 99,267 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You have been a busy bee. 
    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. 19months left.
  • skint_spice
    skint_spice Posts: 13,728 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My cat also likes to move the food from the bowl to the floor! I don’t know why….
    Mortgage OP 2026 £640/2000
    Mortgage balance: £32,222

    Make £50 a month Jan £20, Feb £0, March £31, Apr
    Boiler fund £1981/3000

  • beanielou
    beanielou Posts: 99,267 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Mr M does that,  In his case the worktop.
    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. 19months left.
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My cat does that too. 

    Glad you are having a relaxing time and your plant flowered on cue.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
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