Weโd like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are โ or become โ political in nature may be removed in line with the Forumโs rules. Thank you for your understanding.
๐จ Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Mortgage free in Forever Home :-)
Comments
-
I could, but itโs not really a huge issue ๐๐ If I bought another pack of wooden ones Iโd be drowning in them! ๐Baileys_Babe said:Could you get Mr KK some pegs specifically for model making?
Stealth mode on demand โฆ ๐ฅท ๐SandyShores said:
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 ๐ค๐ผ๐คฃgreenbee 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
KKAs 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.ยWatch your actions, they become your reality.ย3 -
First ball consumed ๐

KKAs 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.ยWatch your actions, they become your reality.ย8 -
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.ยAchieve 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 29/5/261 -
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...ยAchieve 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 29/5/263 -
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.1 -
Ummm โฆ. Iโm a bit shy about my โartworkโ @savingholmes, itโs more like doodles than โartโ! ๐
The kittens havenโt sat on me since, but at least Chloe accepts strokes and scritches now without flinching - Iโll take that ๐โค๏ธ
Itโs an interesting yarn @beanielou. 22% merino, 22% alpaca, 23% polyamide, 23% acrylic and 10% viscose. So a bit plastic, but that makes it hard wearing ๐คทโโ๏ธ and really quite soft ๐
KKAs 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.ยWatch your actions, they become your reality.ย6 -
I seem to fallen into quite a bit of cooking during my five days off โฆ
- walnut and lentil pies - bit odd, quite bitter, rather dry (should have added all the recommended oil to mix, I think) but good with gravy, mash, veggies etc.
- a Cypriot stylee bean stew thing which I havenโt tasted yet as you are recommended to leave it a day and reheat before eating โฆ ๐ค Used thyme from the garden โค๏ธ
- mushroom stroganoff with cashew cream tonight - used my homegrown red onions and parsley for this! ๐ฅณ
- straining the yoghurt for my first ever attempt at tikka masala paneer tomorrowย
- will also knock out a batch of lentil and mushroom bolognese tomorrowย
Also, got out in the garden for an hour and cleared many, many โdeadโ pots - another job that has been โlooking at meโ for months ๐
KKAs 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.ยWatch your actions, they become your reality.ย8 -
Aw I'm so glad you're having such a lovely wholesome timeยhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty4 -
Got off to a good start here โฆ.
- stroganoff boxed up, labelled and in freezer
- marinade for paneer, onions and peppers made and โฆ well โฆ marinading โฆ ๐
- batch of lentil and mushroom bolognese on the simmer
- dining table of Doom (collector of clutter extraordinaire!) cleared, table cloth washed and on the line facing the sun
- reviewed / read in detail very long process document for the product on line stop and have some questions for people tomorrow โฆ All work stuff now packed up and PUT AWAY! ๐
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.ยWatch your actions, they become your reality.ย9 -
Just caught up with your diary... so sorry boss is being so annoying - at least it sounds like you have a plan in place to deal with him. Laughed at all the hard stares coming from here ...I am still looking crossly at him.
I keep detailedย timesheets of what work I get throughย on my billing for my contract work - (mentioning names, tasks, conversations/chats/emails on projects etc)ย so I am assuming you have now started doing that.. Maybe flag Operational work, suddenly asked for work, work for legal obligationsย etc etc so you can show the division of your time.
I really liked the bottom of jumper 2 so glad you started it - I do like the higher neckline though of jumper one..
well done on tidying the dining table, there are always hotspots that attract clutter..DON'T BUY STUFF (from Frugalwoods)
No seriously, just donโt buy things. 99% of our success with our savings rateย isย attributed to the fact that weย donโt 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.ย ย ย Money doesnโt 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#latest7
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.8K Banking & Borrowing
- 254.5K Reduce Debt & Boost Income
- 455.6K Spending & Discounts
- 247.6K Work, Benefits & Business
- 604.5K Mortgages, Homes & Bills
- 178.6K Life & Family
- 262.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards



