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Mortgage free in Forever Home :-)

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Comments

  • Brie
    Brie Posts: 16,910 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well now I know why we bought a cake when we were out!!  Have a great day!!!
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

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  • teapot2
    teapot2 Posts: 3,780 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Enjoy your birthday and definitely no 'shoulds' .  Have a lovely chilled day x
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Happy birthday! 
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • ladybird1106
    ladybird1106 Posts: 1,278 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Happy birthday 
    love 🐞
    Declutter 984/2026
    £62.30 saved by growing and eating my own 2026
    books read 5 in 2026
    £185 🥳 funpot
    🐞change pot £39.53
  • greenbee
    greenbee Posts: 19,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Birthday!
  • savingholmes
    savingholmes Posts: 29,178 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Belated Happy birthday 🎂 🥳 🎉 

    Well done on garden and job hunting.  Rest is good too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • Watty1
    Watty1 Posts: 8,216 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sounds a lovely day.  Hurrah.
    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 !!
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Sounds like a wonderful day. 💕
    I am excited you are getting a hori hori, hands down my most used garden tool, I love it and don't go in the garden without it! 
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • KajiKita
    KajiKita Posts: 10,061 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    ~FlowerPot~ said:
    Sounds like a wonderful day. 💕
    I am excited you are getting a hori hori, hands down my most used garden tool, I love it and don't go in the garden without it! 
    Oooh, interesting feedback 😊❤️

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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. 
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