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Mortgage free in Forever Home :-)
Comments
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Lots of smiles in that post! ๐๐๐1
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Thanks @skint_spice, @beanielou, @savingholmes, @Cheery_Daff ๐
Messy Cat Eaters Unite! ๐๐ I came down to something revolting on the oak floor in the dining room this morning โฆ I have no idea what it was but I was starting to retch when cleaning it up - thanks Cats! ๐๐
Still havenโt manage to sleep in yet, keep waking at my normal work get up time. ๐คทโโ๏ธ But I am starting to feel more rested. Trip to the plant centre this morning ๐ฑ๐ชด and then lunch with one of my old Sifus and his new girlfriend ๐ Should be fun. Heโs been made redundant yet again ๐ข, so I will ask him up front whether we are talking about that today or are we just spending time together as friends? ๐
Need to start looking at new energy deals as ours predates the Ukraine war and will end in October this year. I will submit current readings so we clean up our outstanding consumption before we move.ยI also want to start cleaning / sorting stuff for the bathroom and generally tidying up. More knitting needs to happen and I might break out a new crafting kit whilst I have the energy to concentrate on it ๐
I feel very lucky today ๐
In the meantime the Little Cats are playing with their Very Best New Toy - the pergola ๐โค๏ธ
KKAs at 15.08.25:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ232,244
- OPs to mortgage = ยฃ12,148ย Interest saved ยฃ5,738 to date
Fixed rate 3.85% ends October 2030
Read 46 books of target 52 in 2025, as @ 28th August
Produce tracker: ยฃ353 of ยฃ300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย7 -
One of mine surveying the world ย
m
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.5 -
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 ยMade 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 !!3 -
My right shoulder is giving me gyp - not exactly sure why but itโs 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 ๐
- 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.Iโm 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.โย Nellie McClung
โญ๏ธ๐ ๐๐1 -
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 ยฃ174.8K Equity 32.77%
2) ยฃ1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC ยฃ25.3K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.2K) = 31.1/ยฃ127.5K target 24.4% 15/8/25
4) FI Age 60 income target ยฃ16.5/30K 55.1%
5) SIPP ยฃ4.8K updated 29/7/251 -
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
@beanielou, I love how elegant they are when teetering on a tiny perch! ๐๐โค๏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 didnโt have the strength. I think I wrenched something then which has got worse with gardening.ย@watty, feral cat wouldnโt just bop Watty-Dog on the nose or just retreat, in a superior way, to a high perch โฆ?ยIโm so glad I am not the only one with messy feline feeders! ๐
Iโm 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 โBookmarksโ again, it all seems to work again ๐คทโโ๏ธ Also, I canโt seem to update my signature ๐ Maybe my iPad is on its way out โฆ? ๐ณ๐ข
In more constructive news, I have been looking at new energy deals for us and it looks like the best option is the cephalopods ๐ I canโt 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.ยKKAs at 15.08.25:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ232,244
- OPs to mortgage = ยฃ12,148ย Interest saved ยฃ5,738 to date
Fixed rate 3.85% ends October 2030
Read 46 books of target 52 in 2025, as @ 28th August
Produce tracker: ยฃ353 of ยฃ300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย3 -
KajiKita said:ย ๐คทโโ๏ธ Also, I canโt seem to update my signature ๐ Maybe my iPad is on its way out โฆ? ๐ณ๐ขFashion on a ration 2025ย 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
Oneย income, home educating familyย1 -
There is now a character limit on signatures. Canโt remember what it is.ยI 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
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