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Mortgage free in Forever Home :-)

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Comments

  • ladybird1106
    ladybird1106 Posts: 1,272 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Love ferns, we have a small fernery at the back of the garden. They are one of my favorite plants.
     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
  • CCW007
    CCW007 Posts: 1,141 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Lovely pictures!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Gorgeous! well done
    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#latest
  • redofromstart
    redofromstart Posts: 6,209 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I forgot to say that bookmarks aren't working well on my iPhone either so it isn't your iPad.


  • New mattress sounds good even if involving money shuffling. Looking after your back is an investment.

    I'm sure the place is not a tip and people will understand you've been having work done. They'll mostly be in the garden anyway so don't fret. If MiL says anything shove some building rubble down her top and see how she likes it

    Great news about the catio, and finding a do-able effective way to help with summer sleep 


  • savingholmes
    savingholmes Posts: 29,170 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the £100.

    Love waterfall begonia. Love the fens and lobelia too 
    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
  • South_coast
    South_coast Posts: 6,410 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    If MiL says anything shove some building rubble down her top and see how she likes it
    And never speak of it again 😀😀😀
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • beanielou
    beanielou Posts: 99,394 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I missed the thing about 10k.
    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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