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Mortgage free in Forever Home :-)

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Comments

  • greenbee
    greenbee Posts: 18,561 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I had to wash a bedcover today due to muddy pawprints... but I know whose they were as they jumped on me to demand breakfast (they go out for an hour before breakfast). 
  • beanielou
    beanielou Posts: 97,522 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    PS - I am 100% certain that the culprit is George - they are big pawprints … Chloe’s are more delicate … 

    Who knew I would end up doing forensic analysis of muddy pawprints! 😂😂

    KK
    😹.  😹.   😹
    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.
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on getting to the next stage. I'm sure the right one will reveal itself. 

    Commiserations on the bedding. I keep the cat out of upstairs bedrooms as I'd come out in allergies otherwise. Cats also have an annoying habit of jumping out at you in the middle of the night so I always trap mine in the back L shape!
    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 14/11/25
  • Is there an option to not store them at all and just buy when you need them? 
  • Firstly check that they do all actually fit light fittings you have! We don't have loads of spares but they're kept in a nice fortnums paper bag for easy lifting off of the cupboard shelf and the bag makes the cupboard look a bit classier 
  • Brie
    Brie Posts: 15,987 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    When we cleared out the inlaws flat we found boxes of bulbs none of which seemed to fit anything.  It seems that FiL had signed up for some "bulb of the month" club or similar - likely talked in to it when he was somewhat deaf and mostly blind by some sales phone call.  We got rid of a lot of them at one point but I know we still have a number of bulbs that are of no use to us because we've bought the wrong ones and someone (not me) is reluctant to try to return them.  It's on my to do list to check all of them and freegle ones I am unsure of and check before buying anymore that I'm getting suitable ones.  Then again such good intentions....

    As for muddy cats - could you politely ask them to wipe their paws when they enter the house??
    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?? 
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