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Mortgage free in Forever Home :-)
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Be gentle with yourself.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 -
Just caught up. Congrats on job interview. Hope it ticks your boxes and you tick theirs.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 !!3 -
Great news about job interview 🎉Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Thanks @beanielou, @Watty1, @skint_spice 😊
Not sure which of the jobs I prefer the look of … Imagine if I ended up with a choice?! 😳🤩🤔😊
Strange day yesterday as it was just meant to be me at home on my own … Got interrupted quite early in the morning by someone from the job centre asking me to come in for my JSA interview. Got that done - quite an eye opener in some ways - one of the ‘commitments’ I had to sign up to was to be prepared to commute up to 90 minutes to work! If you’re working 5 days a week that’s 15 hours of commuting, nearly two days on top of actually working!! 😳 I thought that was quite brutal, incredibly hard in the winter months and tough on fuel or travel costs too …
Didn’t get in the garden as we have that wet, clinging misty rain here atm. It doesn’t look like much but you would be soaked through quite quickly …
Did get my physio exercises (both old and new) and yoga all done yesterday morning. New physio has given me an amazing and easy stretch for my traps - it is so nice to do that I am doing it twice a day! I think that is partly why I slept so much better last night.Tree people to take the cherries down below the LV lines are here this morning. They stopped by yesterday afternoon so I was able to have a conversation with them about NOT giving the poor trees a ‘flat top’ parallel to the power lines - looked dreadful last time they did it (3 years ago?). They are going to prune them with a bit more care this time, if they can leave the brash. I have signed a form to this effect. I have also made them a fortifying cuppa! 😉Once I have had breakfast, wrangled my bed linen (currently in the WM) and done some job searching (to be added to the draft email I have to send to, and then review with my job coach, fortnightly) I will prep for lino cutting in the chapel this morning (£3) followed by tai chi this afternoon (£12 for the month - incredibly cheap) 😊
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.7 -
Sounds like a lovely way to spend the day.Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Going well so far 😊❤️skint_spice said:Sounds like a lovely way to spend the day.
Never done lino printing before and this was a bit rushed, but I’m very pleased with it. I’ve done a better print on card stock to give to my friend who is properly ‘arty’ as part of her Christmas present 😊 I was aiming to do ivy, but I found it so hard to draw on the lino, plus they are are quite hard shapes to get looking ‘right’ so I just freestyled straight onto the lino! 😂😉
KK
As 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.11 -
How cute, liking the style, the colours and I am sure it was quite fun to doDON'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#latest1 -
Love it! I should do more artsy things, am reading your diary back (only another 100 pages to go
) and you do so many creative things! This reminds me I should buy another embroidery kit that I promised myself last month....will do that later once I sit down again 
Emergency Fund- £717.77
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest1 -
Looks fun on the print.
Don't worry about the '90 min' commute thing. You choose what to apply for and if you are getting interviews and can evidence applying for stuff that's what they want to see.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 -
The job coach can create person specific commitments so the 90 minute commute can be reduced if the person has acceptable reasons.2
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