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Mortgage free in Forever Home :-)
Comments
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No clue what a Tithonia is but it sounds very Midsummer Nights Dream and quite Shakespearean bawdyKajiKita said:- updated all my finances after a month of not updating them! 😳 Took some doing but I am all straight now, ready for payday on Thursday 😊
- returned two pairs of trousers to MnS that don’t fit - so that will be £62 coming back to me. Tried another supply source for work trousers … sigh … (I seem to have size 14 legs and bum but size 16 stomach - thanks menopause …)My Tithonia has finally started flowering ❤️🤩
KK
Well done on the finances - feels so much better when one is straight
I also have been struck by the belly from nowhere - hence me trying the ems...
Loving the cat pics!DON'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#latest1 -
It’s 500, but last time I got an error message. Now I’m getting a server loss message.beanielou said:There is now a character limit on signatures. Can’t remember what it is.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.2 -
@LadyWithAPlan, this is Tithonia (also known as Mexican sunflower) 😊 not very Shakespearean though 😉
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.6 -
Forgot to mention, as part of the payday £cial review, I have shuffled £400 off to joint savings, £890 off to my own savings and done a £200 OP. 😊 Felt quite chuffed until I updated my YNAB spreadsheet and my months of emergency fund dropped from 5.8 to 4.1 🤷♀️ Ah well, it shows me where my funds are allocated and we still have c. £18K between us. Not quite where I want it to be but better than after I bought the car this spring 😊
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 -
And when I went in to it again to try and chop it down a bit …. my changes from today were there! 🙄🤷♀️KajiKita said:
It’s 500, but last time I got an error message. Now I’m getting a server loss message.beanielou said:There is now a character limit on signatures. Can’t remember what it is.KK
Who knows?!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.4 -
Well done on the OP and savings boost. Thanks for the photos. They always bring a smile to my face.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 14/11/250 -
Please may I allow myself a small celebration? 🥳
D’you remember some weeks ago I bought some reduced / end of line begonia tubers to put in pots for my shady courtyard?They are doing rather well ❤️
😊
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.9 -
Oh well done you! Love the ferns behind tooMy mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo5 -
Ooh, lovely pictures! 🥰 and excellent savings too 😊😊 YNAB is a fiend for making sure you don't mentally allocate the same money to two different pots 😂3
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They are fab.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.3
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