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Mortgage free in Forever Home :-)
Comments
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I feel better about today’s feeble effort then 😉😊redofromstart said:Oh my average is normally 3.5k so I am just showing off
abd yes they couldn't have done it if you hadn't lined up the ducks
Thank you - means a lot to hear that from you.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 62 books of target 52 in 2025, as @ 4th 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.3 -
What’s an IT band …?greenbee said:
I'll just have to resign myself to being beaten on steps daily. It's not like I'm not used to it from previous challenges. I did start the under-desk treadmill up today (2 mph while working) so my IT band is killing me.KajiKita said:
Not a Garmin user - sorry 🤷♀️😊greenbee said:If you're a garmin user, can you please join me and @redofromstart with our steps challenge, as I might actually be able to beat you 🤣 (although as both of you are not working at the moment, technically you have an advantage as you're not tied to a desk)
<whispers> What is this under desk treadmill torture device you speak of ….?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 62 books of target 52 in 2025, as @ 4th 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.4 -
I only managed 4200 steps today, and I was in the office and moved between buildings at one point too 🙄 I used to have regular step challenges with my sister but then she got an apple watch 😂
Poor old Pampered Prince! I was looking forward to Colonel Colon having to manage him 🤭1 -
Iliotibial band - a band of fascia down the outside of the thigh. Treadmill walking/running doesn’t have any variation in movement, so tends to make it tight.KajiKita said:
What’s an IT band …?greenbee said:
I'll just have to resign myself to being beaten on steps daily. It's not like I'm not used to it from previous challenges. I did start the under-desk treadmill up today (2 mph while working) so my IT band is killing me.KajiKita said:
Not a Garmin user - sorry 🤷♀️😊greenbee said:If you're a garmin user, can you please join me and @redofromstart with our steps challenge, as I might actually be able to beat you 🤣 (although as both of you are not working at the moment, technically you have an advantage as you're not tied to a desk)
<whispers> What is this under desk treadmill torture device you speak of ….?KK
the under desk treadmill beats sitting on my bum for hours. I have in the past managed over 20k steps in one day of very boring management meetings 😇4 -
Glad the pampered prince got his comeuppance. Captain Colon is unbelievable!
Well done on the gardening. Hopefully some indoor days will help you get some actual resting in too.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Ah, mine of those are horribly tight too - I had no idea what they were called. It’s one of my focus areas in my yoga sessions 😊Iliotibial band - a band of fascia down the outside of the thigh. Treadmill walking/running doesn’t have any variation in movement, so tends to make it tight.
the under desk treadmill beats sitting on my bum for hours. I have in the past managed over 20k steps in one day of very boring management meetings 😇
Presumably the under desk treadmill isn’t actually weight bearing? Well done on the 20K steps 😊
That’s why I wasn’t prepared to submit to Captain Colon’s performance management of me … Looks like I read it right! 😉savingholmes said:Glad the pampered prince got his comeuppance. Captain Colon is unbelievable!
Well done on the gardening. Hopefully some indoor days will help you get some actual resting in too.
Rather to my surprise I slept pretty well last night, I must have really needed that sleep yesterday afternoon.No significant plans for today - more work on CV, work up a ‘to do’ list, loosen off some curtains in the snug so they close properly (at Mr KK’s request), possibly some gardening if there is dry spell - might focus on the patio weeding so the bird feeder is accessible from when we come back from holiday. That reminds me, I need to dig out the LCs pet vaccines passports for the Cattery.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 62 books of target 52 in 2025, as @ 4th 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.5 -
I do hope it is ok to feel delighted about Pampered Prince:)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 !!1 -
As 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 62 books of target 52 in 2025, as @ 4th 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.3 -
Wait til he contacts you for a reference because Colonel Colon was mean to him ...4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******2 -
I highly doubt that he will….. 😉f0xh0les said:Wait til he contacts you for a reference because Colonel Colon was mean to him ...
(If he did I would politely decline and recommend that he goes self employed as working for someone / an organisation doesn’t suit him ….) 😊
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 62 books of target 52 in 2025, as @ 4th 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.4
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