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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 
    I feel better about today’s feeble effort then 😉😊

    Thank you - means a lot to hear that from you. 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • KajiKita
    KajiKita Posts: 7,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    greenbee said:
    KajiKita said:
    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)
     
    Not a Garmin user - sorry 🤷‍♀️😊

    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. 
    What’s an IT band …? 

    <whispers> What is this under desk treadmill torture device you speak of ….? 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,156 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 🤭
  • greenbee
    greenbee Posts: 17,799 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    greenbee said:
    KajiKita said:
    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)
     
    Not a Garmin user - sorry 🤷‍♀️😊

    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. 
    What’s an IT band …? 

    <whispers> What is this under desk treadmill torture device you speak of ….? 

    KK
    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 😇
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Watty1
    Watty1 Posts: 6,815 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 !!
  • KajiKita
    KajiKita Posts: 7,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Watty1 said:
    I do hope it is ok to feel delighted about Pampered Prince:)
    Chuckling …. 😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • f0xh0les
    f0xh0les Posts: 7,620 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Wait til he contacts you for a reference because Colonel Colon was mean to him ...
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • KajiKita
    KajiKita Posts: 7,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    f0xh0les said:
    Wait til he contacts you for a reference because Colonel Colon was mean to him ...
    I highly doubt that he will….. 😉
    (If he did I would politely decline and recommend that he goes self employed as working for someone / an organisation doesn’t suit him ….) 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
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