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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 10,195 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Could you get Mr KK some pegs specifically for model making?
    I could, but itโ€™s not really a huge issue ๐Ÿ˜‰๐Ÿ˜Š If I bought another pack of wooden ones Iโ€™d be drowning in them! ๐Ÿ˜Š

    greenbee said:

    How is it that sometimes they can sneak in through the cat flap without you knowing, and at other times they are like door-slamming teenagers?ย 
    This totally.ย  Mine is a very noisy teenager cat, announces his arrival every time he comes home several times a day.ย  If he jumps off the bed in the day it sounds like a hippo coming through the ceiling.ย  But on a very few occasions when he's gone out early evening I've found myself worrying about him being out so long later, only to find him already sleep on the bed.ย ย ๐Ÿค”๐Ÿ˜ผ๐Ÿคฃ
    Stealth mode on demand โ€ฆ ๐Ÿฅท ๐Ÿ˜‚

    KK
    As at 21.05.26:
    - When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ215,607
    - OPs to mortgage = ยฃ18,925 Estd. interest saved = ยฃ9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 38 books of target 52 in 2026 as @ 2nd June.ย 
    Produce tracker: ยฃ139 of ยฃ400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions.ย 
    Watch your actions, they become your reality.ย 
  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great start on the knitting.ย 

    Glad your kittens are settling in and making you feel like they value you at last.

    Looking forward to seeing some of your art work.ย 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
    2) ยฃ2.1K Net savings after CCs 14/5/26 (but owed ยฃ1.3K) so ยฃ3.4K
    3) Mortgage neutral by 06/30 (AVC ยฃ42.5K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.7K) = 48.8K of ยฃ127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min ยฃ17.1/30K 57% (may need more) If bigger lump sum ยฃ15.8/30K 52.67%
    5) SIPP ยฃ5.7K updated 29/5/26
  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I so loved the line that someone posted of "the house was infested with people". Very autistic view of looking at the world... I should know...ย 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
    2) ยฃ2.1K Net savings after CCs 14/5/26 (but owed ยฃ1.3K) so ยฃ3.4K
    3) Mortgage neutral by 06/30 (AVC ยฃ42.5K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.7K) = 48.8K of ยฃ127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min ยฃ17.1/30K 57% (may need more) If bigger lump sum ยฃ15.8/30K 52.67%
    5) SIPP ยฃ5.7K updated 29/5/26
  • beanielou
    beanielou Posts: 100,006 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That looks lovely.
    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.
  • Aw I'm so glad you're having such a lovely wholesome timeย 
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