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Mortgage free in Forever Home :-)
Comments
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Awwww … thank you for trying and welcome to the random chat about mouse-presents and gardening 😊 😂Bluegreen143 said:I have finally accepted defeat, given up trying to read your whole diary and am just joining you in the present moment 😂. I have a terrible habit of wanting to read diaries right through which means I miss out on actually chatting and cheering people on!Good luck for the charity job application 🤞🏼.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Charity job sounds much more you 🤗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.3 -
Does the local commute balance out some of that pay differential?3
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Nowhere near enough sadly.Viking_mfw said:Does the local commute balance out some of that pay differential?KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Boo that's a shame 😕KajiKita said:
Nowhere near enough sadly.Viking_mfw said:Does the local commute balance out some of that pay differential?KK2 -
I know but 🤷♀️Viking_mfw said:
Boo that's a shame 😕KajiKita said:
Nowhere near enough sadly.Viking_mfw said:Does the local commute balance out some of that pay differential?KK
I’m using it as incentive to get the CV finished and experience in applying for this kind of role. If I can get far enough to be considered then I might get some useful feedback. I’m playing a long game here … 😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
If you do get far enough along the process to discuss salary you may be able to negotiate reduced hours to compensate (or they may have additional funds that they can release given your experience), and then free up some time for freelance work/consulting.2
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Definitely worth trying out the cv and the process before you find the absolutely PERFECT job! This one sounds like it fits many of the boxes at least 😊2
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You might need to kiss a few frogs before finding the ideal job - so - go for the charity job and see what that vision board creates
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 !!2 -
What about if you include travelling time in hours? I'm guessing it might not make much of a difference for you, but when I include the hours travelling and work out my hourly rate it makes a big difference. So I'd rather be nearer home with less actual salary and then utilise non-travel hours to make up my salary (selling stuff etc.) and save money (e.g. home cooking etc).Viking_mfw said:
Boo that's a shame 😕KajiKita said:
Nowhere near enough sadly.Viking_mfw said:Does the local commute balance out some of that pay differential?KK"Think of many things, do one"
Mortgage 30Jan'26 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga2
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