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Mortgage free in Forever Home :-)
Comments
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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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅
STRUGGLING DURING THE HOLIDAYS??
click here for ideas on how to cope....Some websites and helplines if you're struggling this Christmas — MoneySavingExpert Forum3 -
Enjoy your birthday and definitely no 'shoulds' . Have a lovely chilled day x1
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Happy birthday!Tilly Tidying andPADing in 2024 £250.62
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RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20182 -
Thanks all 😊❤️
I have genuinely had a really lovely day today.I ignored all shoulds, spent most of the day reading a novel whilst being sat on by a cat periodically ❤️, had lunch out and treated myself to a new K3n Thompson book, 3 cyclamen coum, Belgian chocolate covered brazils and some beautiful Christmas cards. I didn’t find a proper Hori Hori but am on the list for when they next come in - I will keep some money aside from my birthday money for that 😊
Mr KK came home with an enormous bouquet of flowers 💐 and then cooked dinner for us both ❤️
Fabulous day 😊🤩
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.15 -
Happy birthday
love 🐞
Grow your own: £14.663 -
Happy Birthday!3
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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 £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/252 -
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 !!1 -
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 ~⭐3 -
Oooh, interesting feedback 😊❤️~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!
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.2
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