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Mortgage free in Forever Home :-)

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Comments

  • Cheery_Daff
    Cheery_Daff Posts: 18,382 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lots of smiles in that post! ๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š
  • Watty1
    Watty1 Posts: 8,187 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Gorgeous cat pics.ย  Makes me sad that the feral does not get to go out but WattyDog would chase her relentlessly outside and WattyDog has a very firm line on no critters of any kind in his garden except humans and the dogs of my friends,ย  ย  ย ย 
    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 !!
  • Brie
    Brie Posts: 16,844 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    My right shoulder is giving me gyp - not exactly sure why but itโ€™s irritating and woken me up the past few nights. In spite of this over the past few days I have:
    - done lots of knitting - I am half way down the last ball of wool ๐Ÿ˜Š
    - cleaned the kitchen floor in front of where the Little Cats eat - George especially has a penchant for lifting food out of his bowl and eating it from the floor! This is a job I need to keep on top of now.

    I'm wondering if there might be a connection somewhere.....

    re cats and their bad table manners.ย  I got a nice plastic place mat to go under the bowls.ย  Make cleaning much easier as long as they didn't get too adventurous with their food.
    Iโ€™m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.ย  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:ย ย https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on:ย Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.โ€ย  Nellie McClung
    โญ๏ธ๐Ÿ…๐Ÿ˜‡๐Ÿ…๐Ÿ…๐Ÿ…๐Ÿ…
  • savingholmes
    savingholmes Posts: 29,170 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have a glass worktopsaver under a rubber cat mat and related bowls to help reduce the cat impacts but it's not perfect.

    Love the cat pics.


    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
    2) ยฃ2.5K Net savings after CCs 14/4/26 (but owed ยฃ1.1K) so ยฃ3.6K
    3) Mortgage neutral by 06/30 (AVC ยฃ38.5K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.3K) = 44.4K of ยฃ127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum ยฃ15.8/30K 52.67%)
    5) SIPP ยฃ5.3K updated 17/4/26
  • beanielou
    beanielou Posts: 99,416 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have a mat under the cats bowls which i suppose helps just a wee bit.
    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.
  • KajiKita
    KajiKita Posts: 10,011 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    @beanielou, I love how elegant they are when teetering on a tiny perch! ๐Ÿ˜‰๐Ÿ˜Šโค๏ธ
    @Brie, tbh I think the shoulder issue dates from trying to help Mr KK load rubble into a big skip at the tip. I remember it was a real struggle for me as the lip of the skip was slightly higher than my shoulders and I just didnโ€™t have the strength. I think I wrenched something then which has got worse with gardening.ย 
    @watty, feral cat wouldnโ€™t just bop Watty-Dog on the nose or just retreat, in a superior way, to a high perch โ€ฆ?ย 
    Iโ€™m so glad I am not the only one with messy feline feeders! ๐Ÿ˜‚

    Iโ€™m having real issues with the forum atm - I keep clicking on bookmarks on my saved list and it takes me to the beginning of the thread rather than the latest comments and is also signing me out. When I click on โ€˜Bookmarksโ€™ again, it all seems to work again ๐Ÿคทโ€โ™€๏ธ Also, I canโ€™t seem to update my signature ๐Ÿ™„ Maybe my iPad is on its way out โ€ฆ? ๐Ÿ˜ณ๐Ÿ˜ข

    In more constructive news, I have been looking at new energy deals for us and it looks like the best option is the cephalopods ๐Ÿ˜Š I canโ€™t move from where I am atm without a ยฃ60 exit fee until 13th August but that should give me time to get a reasonable deal before everything starts moving around in early September. It will still cost us an extra ยฃ50 pcm (only based on estimated usage), but compared to what others have had to pay over the past couples of years I am soooo grateful for the tariff we have been on.ย 

    KK
    As at 17.04.26:
    - When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ216,847
    - OPs to mortgage = ยฃ17,793 Estd. interest saved = ยฃ9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 28 books of target 52 in 2026 as @ 23rd April.ย 
    Produce tracker: ยฃ78ย of ยฃ400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions.ย 
    Watch your actions, they become your reality.ย 
  • Baileys_Babe
    Baileys_Babe Posts: 6,721 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    KajiKita said:
    ย ๐Ÿคทโ€โ™€๏ธ Also, I canโ€™t seem to update my signature ๐Ÿ™„ Maybe my iPad is on its way out โ€ฆ? ๐Ÿ˜ณ๐Ÿ˜ข

    I have heard others say they have been unable to edit their signature, I think a character limit has been introduced for signatures. If your edited signature exceeds this, you can not save the new one, so you revert to your existing signature.
    Fashion on a ration 2025ย 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
    ย income, home educating familyย 
  • beanielou
    beanielou Posts: 99,416 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    There is now a character limit on signatures. Canโ€™t remember what it is.ย 
    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.
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