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Mortgage free in Forever Home :-)
Comments
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Onwards and upwards! I hope you find something soon where you are actually appreciated.Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Getting a payoff to not be around these absolute tools sounds like an excellent outcome.
Be mindful of taking extra good care of yourself in the meantime x4 -
Aaaaannnndd the Pampered Prince useless report will no longer be your problem 😀!
Personally, I'd start just letting him do whatever he wants and completely ignoring him, but you may be slightly less vindictive than me and have more respect for whoever replaces you!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Yup! Quite agreeing with this.South_coast said:That sounds like an excellent and actionable plan for today 👍 But please stop telling yourself 53/54 is old!
Now I can tell that I've never been in your league as to jobs but just want to put it out there that I got my last corporate role at 59 and when delightfully made redundant at 64 I went out and got a (carp paying) very interesting p/t job. My brain keeps telling me I'm 30 something. My knees disagree but I'm trying to ignore them.
When the head clears a bit take a squint at your cv and then pass that to your corporate level friends to review for you. And start chatting a bit about a move with your corporate network to see what might be coming up.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅5 -
Just caught up. So sorry to hear about the job but I like the view that at the time you got the job you were the right fit, now you are not as things have changed so now time for both of you to renegotiate. As for being "too old" i very much doubt that, you have skills experience and a work ethic which seems notably missing in your young recruits and I think employers are very much aware of that these days.
Think about your corporate network, who do you know, who can help review skills and CV, provide references and maybe network with.
Being clear about what you need to earn, what you want to earn (they are different I think
) and what next would work for you will be so helpful.
Sending hugs. You are bound to feel down, indifferent, ill but I have no doubt there is something so much better round the corner.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 !!3 -
@f0xh0les, @skint_spice, @PennysIntoPounds, @South_coast, @Brie and @Watty1 - thank you all.The Pampered Prince (quite enjoying that term 😉) I think will be leaving before me! He made a mistake by scaring the HR officer with threats of suicide. That manipulation has really got to her …
That’s reassuring Brie - I hope it’s true of me too. 😊
Watty that’s all good advice and an interesting perspective about being older.Had a reasonably productive day:
- lots of knitting - starting shaping shoulder on the back panel of my new jumper
- dead headed in the garden and brought some flowers in
- emptied out all the trays under the patio pots into a bucket and used it to feed the remaining active tomatoes in the greenhouse 😊
- potted up the baby spider plants that have now rooted in water and put the pot up in the bathroom
- rolled up the hose that Mr KK used to empty the water butts into the bottom pond and moved the plastic bin it’s all stored in to somewhere out of sight
- worked with Mr KK to measure up the failed double glazed units x 5 (finally! ) so we can get on and order / replace those before the really cold weather comes
- wrangled various loads of washing
- caught up on all financial transactions, started looking at what my minimums are - need to do more on that
- had cwtches with two Little Cats in bed this morning ❤️
KKAs 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.7 -
Those wee faces. 😻😻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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Yes so true, your EXPERIENCE and knowledge is a great advantage, tx to Brie highlighting this so well. Stop letting the misguided boss get into your head and about your value, stop it .Brie said:
Yup! Quite agreeing with this.South_coast said:That sounds like an excellent and actionable plan for today 👍 But please stop telling yourself 53/54 is old!
Now I can tell that I've never been in your league as to jobs but just want to put it out there that I got my last corporate role at 59 and when delightfully made redundant at 64 I went out and got a (carp paying) very interesting p/t job. My brain keeps telling me I'm 30 something. My knees disagree but I'm trying to ignore them.
When the head clears a bit take a squint at your cv and then pass that to your corporate level friends to review for you. And start chatting a bit about a move with your corporate network to see what might be coming up.
Write down all the things you are great at, what you bought to the table this job and where you feel now there is gaps. Are these gaps you could/want to fill in training? I am doing a 6 week AI evening course this term to keep me updatedDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t 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. Money doesn’t 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#latest6 -
Hi KK
I'm sorry it's not the ending to the role you were hoping for. You are better than they are though. You will get something good next.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 14/11/252 -
Awwww the cats, the cwtches, the gorgeous bedding! 😍4
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