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Mortgage free in Forever Home :-)

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Comments

  • redofromstart
    redofromstart Posts: 5,967 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Bell.

    (and what was the book?) 
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • PennysIntoPounds
    PennysIntoPounds Posts: 5,127 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Yay for the mozzarella burgers!
    Nothing illicit about a picky tea for me, one of the best dinners there is 😁
    Well done on all your general brilliance and hooray for a five day break
    Ugh, you are surrounded by such workplace tw*ttery. Hope you've still got those new job tabs open, at least mentally. I know work is work etc but you do not deserve to be dragged down to their frankly embarrassing level and suffer all the stress it causes.
    Marvellous to be able to have a mental mic drop at 'they were done, months ago' though 💅
    Books read 2025: 61

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
  • savingholmes
    savingholmes Posts: 29,104 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm glad your weekend was more restful.

    Sorry about the on-going work sagas
    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 14/11/25
  • KajiKita
    KajiKita Posts: 8,651 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @PennysIntoPounds, there is very little about jobs wise atm - summer season probably doesn’t help, so it might pick up in September. However, industry is quiet with orders everywhere. I suspect that explains why useless report is behaving like all is well…. 🙄 And yes, I quite enjoyed telling boss that task was DONE! 😉😂

    Thanks @savingholmes 😊

    @redofromstart, the book was this one 😊



    KK
    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 64 books of target 52 in 2025, as @ 11th November 
    Produce tracker: £426 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. 
  • WinterWarrior
    WinterWarrior Posts: 6,113 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Ah kk, I always miss your updates as I search on the debt free diaries section … doh! So sorry about the work tw*ttery, but that purple throw is amazing 🤩 I love it.
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • KajiKita
    KajiKita Posts: 8,651 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    WinterWarrior said:
    Ah kk, I always miss your updates as I search on the debt free diaries section … doh! So sorry about the work tw*ttery, but that purple throw is amazing 🤩 I love it.
    Nice to see you WW 😊
    You know how to tag / bookmark diaries you want to return to? 

    KK
    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 64 books of target 52 in 2025, as @ 11th November 
    Produce tracker: £426 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. 
  • WinterWarrior
    WinterWarrior Posts: 6,113 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    I do, but my little bell has 99+ so it’s a bit overwhelming 😅
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Baileys_Babe
    Baileys_Babe Posts: 6,385 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    WinterWarrior said:
    I do, but my little bell has 99+ so it’s a bit overwhelming 😅
    Ignore the bell, click on the bookmarked threads button in the Quick Links box, which on my computer is to the right of the thread and on my mobile below a thread.you can also find Quick Links by pressing the button with 3 vertical lines, on my screen it is top left.

    Bookmarked threads will show all the threads you have subscribed to, the top of the list shows the thread with the most recent activity. 
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One     income, home educating family 
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,127 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Also you can click on the bell and 'mark all as read' at the bottom of the menu section so you only get new notifications
    Books read 2025: 61

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
  • Humdinger1
    Humdinger1 Posts: 2,516 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    KajiKita said:
    beanielou said:
    Your boss is a twit.End. 
    I love you 😂🤩❤️
    End x
    Unfair to twits.  If I described my view of this dude, I'd be banned for life.  Is Juggins a good catch-all? What does HR say? Love Humdinger xx 
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