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Mortgage free in Forever Home :-)

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  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 31 October 2024 at 10:30AM
    @KajiKita cut yourself some slack! After everything that's happened recently and the issues it's brought to the surface, this is a small speed bump.  A reminder perhaps to take care of yourself? You are truly fab; please never doubt it.  Love Humdinger xx 
  • SandyShores
    SandyShores Posts: 1,966 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    f0xh0les said:
    Enjoy this time to do all the things that you were not able to do when you were working.  If you were still there you would be setting off in the dark, and getting home in the dark, so meet up with friends, sow your seeds, go to the cinema or theatre in the afternoon. Guilt-free!
    The recruiters are excited about you and their commission.  You won't be without work for long, we all believe in you (sending  more mad Kate Bush dancing). 
    You are such a good and sensible ‘mum’. Could have done with one of you when I was wee … 😉
    I have that puritan guilt about not being 1,000% focused on the job search, even though logically it is pointless … I need to do something positive, nice for me and encouraging for my soul tomorrow methinks.

    KK
    We could all do with a f0xh0les 'mum'. :)

    Ooh I like the Hori Hori.  Seems like a japanese version of a swiss penknife but much more womanly!  I may get one but feel like I'd need one with the leather sheaf so I could wear it around the garden - I have a sort of indiana jones hat somewhere too.  :):)

    Flowers, dinner cooked, what's not to love.

    I've been there @KajiKita turning up for shopping without the means for payment.  Felt wonderfully light, free and smug virtually skipping out of the house only to realise on arrival that no phone (so therefore no money).  You're not alone :)

    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 31 October 2024 at 11:26AM
    Happy belated birthday ! Sounds lovely 

    So sorry to hear on the handbag - especially given the start of your day - do they have cctv in the loos ? 
    Don’t beat yourself up - these things happen. You were doing a lot 

    Your cooking is getting inspired - the bean burgers I will try 
    what’s the mix of cottage cheese to eggs please ? And is that all apart from salt pepper and shallots/lentils to taste ?? 


    Had to google hori hori - looks fantastic 

    and yes the world needs more @foxgloves wisdom 

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • KajiKita
    KajiKita Posts: 7,636 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Happy belated birthday ! Sounds lovely 

    So sorry to hear on the handbag - especially given the start of your day - do they have cctv in the loos ? 
    Don’t beat yourself up - these things happen. You were doing a lot 

    Your cooking is getting inspired - the bean burgers I will try 
    what’s the mix of cottage cheese to eggs please ? And is that all apart from salt pepper and shallots/lentils to taste ?? 

    Why would I need to worry about CCTV in the loos? 🤔  (My handbag was at home …)

    My cooking is not inspired! It’s bodge it and splodge it! 😂
    150g cottage cheese (I buy the smaller 300g tubs as I don’t like the sour taste it gets when it’s been open a while.).
    One large egg - I beat that (in the mini, rubbery, cooking half ‘tin’ for use in the air fryer) first before adding the cottage cheese. 
    50g lentils / small finely chopped shallot 
    180C, c. 15 minutes for a gentle set. 
    And yes, atm, that’s all. Happy to hear of any other interesting taste riffs you come up with 😊

    Thanks @humdinger 😊 Not sure about cutting myself slack, but I have made myself a cuppa and rebooked the appointment 😉 (No stupid tax free for missing the appointment - they just laughed at me a little - happy to take that! 😉)

    @sandyshores - I think Hori Hori’s come with a leather sheath … 😉😊

    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. 
  • Belated happy birthday
    We've all been there with forgetting our bag/phone
    Still plenty of today left to garden  :)
    Mortgage at largest £280050 with MF date 2038 - current in the £160s whoop whoop
  • Ah I read it you’d left the handbag in the supermarket loos- ! That’s good news then nothing lost .. 

    will try the egg thing ! 

    My current passion is the Kashmiri chilli spice - it’s like a sweet not too hot chilli powder - almost like a tastier slightly spicy paprika - am adding it to everything inc pan fried mushrooms - my DN is now obsessed with my mushrooms and kept trying to get something similar on holiday in lots of restaurants but  my version is apparently untouchable - basically v slow cook mushrooms in butter/oil and half way thru  add the Kashmiri to taste and bit of salt pepper - have them on lowest heat 
    I often serve them on top of a bolognaise sauce (as opposed to mixed in) 

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • f0xh0les
    f0xh0les Posts: 7,616 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I blame the calorie controlled breakfast.  I could literally walk out of the house without shoes when I am dieting. I forget phones/ wallets / car keys /  pack everything into my bag and leave the bag by the front door.
    Shout 'Plot Twist!' or 'Surprise!' and make a new plan for the day.  The Universe said 'no' . Maybe there was just someone you didn't need to bump into today / something you didn't need to see. 
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • South_coast
    South_coast Posts: 5,865 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I have both got to the point of paying and realised I've left my handbag in the car, and (different occasion, different supermarket, fortunately 😬) got to the self-checkout, realised I'd forgotten something, got back to the checkout and had the man overseeing them pass me my handbag - I'd put it down ready to start scanning and just walked off without it 🙄🤦‍♀️! 

    So you are definitely not alone! And at least you didn't have to try and shoehorn the new appointment into a busy work diary 😀
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All been there on the handbag thing...
    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
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