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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 29,212 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 £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 14/7/26 (but owed £450) so £2.2K
    3) Mortgage neutral by 06/30 (AVC £44.2K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.5K of £127.5K target 39.6% July 26 (If took bigger lump sum = 72.4K or 56.8%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • KajiKita
    KajiKita Posts: 10,439 Forumite
    10,000 Posts Fifth 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 16.07.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 51 books of target 52 in 2026 as @ 20th July. 
    Produce tracker: £180 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. 
  • skint_spice
    skint_spice Posts: 13,772 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 2026 £1030/2000
    Mortgage balance: £31,116

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
    Jun £120

    Summer challenge £120/300

  • ladybird1106
    ladybird1106 Posts: 1,372 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    🤣love the idea of a mouse pocket. Wonder what she will do with the next mouse 🐭 when said pocket isn’t available.
    love 🐞
    Declutter 1536/ 2026
    books read 11 in 2026
    £320 🥳 funpot
    🐞change pot £84.92
    £20/£500

  • Viking_mfw
    Viking_mfw Posts: 785 Forumite
    Ninth 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: 100,571 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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 14 months left.
  • SandyShores
    SandyShores Posts: 2,112 Forumite
    Seventh 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 end July £181,000 £309,749 2020 (ends 2035 -was 2038- aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
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