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Mortgage free in Forever Home :-)
Comments
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Just caught up. What a 'performance' at work. Would use another phrase but would be moderated out. Hang in there, @Humdinger1 asks a good question re raising formally.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 !!1 -
If your terms of working that were agreed when you started in the role have changed, and you 'have' to work more hours, without a pay increase and your consent, and you can't perform the function you are there to do as effectively, then this is definitely a serious issue for HR- because of manager's issues and not what he's projecting on to you!2
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I would resist the extra hours but know that is easier to say than do - I still would though. HR does sound like it could help with that.
So sorry about the colleague.
The blanket is stunning.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Thanks all 😊
@PennysIntoPounds, @savingholmes, I am planning to talk to HR once she is back next week about the extra hours and whether I could at least finish at a sensible time on Fridays. That seems like a reasonable compromise to me, until such time as he is more relaxed / confident that I am getting on top of the work he wants. He did let me go early to the physio appointment on Tuesday this week and when I asked whether he would prefer me to book further physio sessions earlier or later in the day, he said later, which makes more sense to me.He left at 3.30pm yesterday, so I left at 4.30pm, after completing a month-end presentation he needed. Even finishing at that time helps.Mr KK has bitten the bullet and booked a trip to France on his own, on his modern bike. I am relieved! He is someone who needs to feel he has had a ‘holiday’ every year and going into winter without him having had one, after his best man got sick and their trip got cancelled, was something I was NOT looking forward to … ! 😉 I have given him the £100 cash from the catio sale, for fuel and food for the run to and from Portsmouth - seems only fair as he bought all the materials and did the work on it and it is a little ‘extra’ to help him enjoy his trip 😊 He’s found a gite which includes evening meals and belongs to a biker with a Dodge weapons carrier! Couldn’t be more appropriate! I was kinda thinking when he told me about it, ummm … methinks this is the Universe telling you to go! 😉😂❤️ It also means I get the BH weekend to myself - planning to catch up with the one friend I had to cancel on during my week off 😊
So, it is all systems go here and he is writing lists like a dervish … 😉
The £100 PB has landed in my savings so will send £50 of that off to OP this evening 😊 Contacted mortgage broker via quick text last night about when we contact our current mortgage provider - he says he is waiting for the rates to settle this week and we look at it on Monday. Apparently the rates on BTL are going down today and the residential rates review usually follows that.
Quietly flicking between a very few cross stitches or copying flower shapes from a ‘how to sketch flowers’ book in the little scrap of evenings I have left. Not unhappy. Bit tired. Shoulder not as sore as yesterday morning after the physio mauling on Tuesday evening! 😉KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 47 books of target 52 in 2025, as @ 30th August
Produce tracker: £353 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.5 -
That all sounds really positive and productive 😊1
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It's nice when you both feel like you've had a break.
Glad your shoulder is improving.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Catching up with myself a bit here ….
Working week was a whirlwind, a tiring one. I escaped at 3.30pm yesterday by asking my boss if I could bring a couple of hours work home with me … sigh …
Did remember to send half of my PB win off to OP last night, so that’s another £50 paid off 😊
Anyway, the weekend is all mine! 🥳😊
After breakfast I will head down to the builders merchant to pay off another (small) bill for bathroom bits.Return via the pharmacy in the next village for paracetamol and ibuprofen gel - between us we are getting through a lot of both and they are cheap in this shop.Tidy the kitchen ready to receive the Toscos shop.Wrangle said delivery.Head down into next town to go to health food shop for various supplies and B00Ts for various bits and pieces.Home and flop for a bit 😊
I want to make a new recipe today; Jumbo lentil, goats cheese and sun dried tomato and puff pastry rolls - the recipe calls for cumin but I will probably switch that for fresh sage. I will make it today as it will be cooler than tomorrow. Hoping these will pep up my work lunches as I am getting pretty bored of them atm …
Three loads of washing to do today.Cross stitch, reading and financial updates to do too 😊
Might try and garden a bit but it won’t be anything significant due to my shoulder.Mr KK meanwhile will be heading off on his bike to get ‘fitted’ for a mobile phone holder so he can use it as a sat nav on his French trip 😊 He is also talking about strimming down the meadow section of our garden - that would be good as it is looking pretty rough now.That’s it I think for now 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 47 books of target 52 in 2025, as @ 30th August
Produce tracker: £353 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 -
I really like the sound of those rolls. Hope they taste as good as they sound.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
@redofromstart, pastry is not my natural medium - they were very ugly rolls! 😂 (Though I have discovered that you can recover a lot of edge sealing sins with a beaten egg and a silicone pastry brush ….! 🤔😂😂) With everything else that went on yesterday, although I got to make one, I didn’t get to eat one. I will try one cold today and let you know what they taste like 😊
Three loads of washing vanquished, finished watching the cook of castamar (happy ending 😊❤️), watched sense and sensibility (ditto) started watching the intern with Robert de Niro and Anne Hathaway - it was nice seeing him in a ‘lighter’ role than I am used to and it is an interesting premise for a film script too 😊
All the running about out of the house done as planned plus I refuelled the car. Hit 10K+ steps. Ate far too much junk … 🤷♀️
No cross stitch done. Finished reading the latest RHS magazine that my Very Serious Gardening friend passed onto me - some planting ideas for shade to save from there for my courtyard garden 😊
Listened, a lot, to Mr KK’s preparations for his French trip …. 🙄😉😊❤️ He’s all fired up, bless him 😊
Rescued a houseplant that had got buried on the windowsill behind other plants and was as dry as a chip - moved temporarily to the shelf behind the sink for nursing. Harvested 300g of tomatoes of various types and had some for lunch 😊 plus a cucumber.Today is intended to be VERY lazy …. 😊😉
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 47 books of target 52 in 2025, as @ 30th August
Produce tracker: £353 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 -
We are really looking forward to homegrown cucumbers, they are really small at the moment.
Love 🐞
Grow your own: £14.662
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