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Mortgage free in Forever Home :-)

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  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    f0xh0les said:
    The washing machine left you a tip for being fabulous. Take it.
    Love this. 

    Glad you are processing in your own way. I did a vision board that led to my job before this one and then onto this one with the same organisation. I got very quick results. I've also done similar for houses in the past and its worked. I obviously need to do one around art and writing.,,
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 8,033 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    f0xh0les said:
    The washing machine left you a tip for being fabulous. Take it.
    Ummm … gave it to Mr KK as the likelihood is VERY high that it was his (he has strong form for leaving stuff in his pockets 🙄 though how it ‘reappeared’ in the drum is beyond me - jammed in behind the door seal maybe? 🤔🤷‍♀️).

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • skint_spice
    skint_spice Posts: 13,462 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A mouse pocket! Yikes!

    Yes to sorting out cv before you go, much easier to relax when it’s not at the back of your mind.

    My washing machine often gave me a tip as DS would just put everything in with a cursory check, I wonder if it’s all building up now he’s not living here😂
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • 🤣love the idea of a mouse pocket. Wonder what she will do with the next mouse 🐭 when said pocket isn’t available.
    love 🐞

    Grow your own: £14.66
  • Viking_mfw
    Viking_mfw Posts: 729 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    What a little tyke she is! A perfect evening game putting  mouse in a pocket. 

    Sounds like a lovely productive day. 
  • beanielou
    beanielou Posts: 96,035 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Chloe!!!! 😹😹
    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.
  • SandyShores
    SandyShores Posts: 1,987 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 6 October 2024 at 11:41AM
    Love the mouse pocket.  We used to have a regular game of catch the mouse before bedtime - running around the house at midnight is not conducive to a relaxing sleep :smiley: 🐁 🐈

    ps don't forget AI to help with LI.  I've got copilot, not sure if that's because I've got a MS subscription.  It doesn't produce the finished article but ask it to produce a draft for you and then you can refine it (I'm so much better at changing something than starting from scratch) - might be worth a try :smiley:
    "Think of many things, do one"
    Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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