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Mortgage free in Forever Home :-)
Comments
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He means well, but he unintentionally added more pressure to me. I have explained that now.PennysIntoPounds said:There are very few things less zen than nagging someone for months to do a 75 minute phone call, and at 7am 😂 I hope you talked about how he's unhappy in his work!KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 30 books of target 52 in 2026 as @ 4th May.
Produce tracker: £93 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Hi KK glad you had a relaxing weekend or your version of one. Hope this week is kinder to youAchieve 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 17/4/261 -
Ummm … a thing or two happened today ….
- Fairly significant safety near miss with a contractor in work. One of my reports hadn’t followed all the control of contractor rules and the HSE Manager was starting to rear up on my report in front of me, when I intervened and pointed out that if my report hadn’t followed protocol, that was on me as their manager not them. Oh and btw, I have never seen a copy of the control of contractors policy …. Report thanked me at the end of the day, just before going home - they are used to working in a blame culture, so to have a boss defend them was quite a shock to them.
- Useless report arrived early into work … 😳🙄 and then messaged HR privately on Teams as he thinks he can manipulate HR more than me to get what he wants …. HR is wise to this nonsense AND went to discuss it with my line manager (Colonel Colon) so that if Useless Report tries manipulating him, it won’t work … Colonel Colon 100% agreed with my decision, according to HR … wow ….
- I have been working on a new control process for a precious metal that we use in one our build processes as Colonel Colon is convinced that people will start pocketing it / stealing it …. 🙄So I had documented it all and took it into Col. Col and talked him through it, saying as I did so that he was always good to bounce these sorts of things off, as he always found holes in them well. We worked our way through it together, both seeing / suggesting improvements… and as we finished he said ‘Gut’ - completely naturally and spontaneously. Made me happy. I also reminded him of this praise, by thanking him for it, 10 minutes later, as I left for the day …. 😉
In other news, Mr KK has finally finished painting the bathroom in the final colour this evening 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 30 books of target 52 in 2026 as @ 4th May.
Produce tracker: £93 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.8 -
TCB of £3.19 has turned up and been OP’d along with 75p TT from joint account 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 30 books of target 52 in 2026 as @ 4th May.
Produce tracker: £93 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Gosh, sounds like you've had quite a day!! Hope this evening has been more restful x3
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Apart from cooking dinner whilst Mr KK did painting and then showered, prepping all my food for today and two rows of knitting - very quiet 😊Cheery_Daff said:Gosh, sounds like you've had quite a day!! Hope this evening has been more restful x
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 30 books of target 52 in 2026 as @ 4th May.
Produce tracker: £93 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Hope today is goodAchieve 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 17/4/261 -
What an eventful day, you sound like you managed everything absolutely brilliantly. Congrats on the bathroom being painted!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty1 -
Been bouncing emails and texts back and forth between mortgage advisor and us this evening. Think we’ve found a 5 year, 4.21% fixed rate with no fee with coop, who we are already approved with. I have said we will go for that option, assuming there is nothing else in the market.No win on the PBs … 🤷♀️😉
Mr KK put up the bespoke bathroom blind I bought months ago … it fits and looks lovely - phew! 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 30 books of target 52 in 2026 as @ 4th May.
Produce tracker: £93 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Great news you have your mortgage fix.
How lovely your blind is up.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.2
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