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Mortgage free in Forever Home :-)
Comments
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The pond is beautiful and that view.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 14/11/251 -
Cleaning work is very soothing I find. There’s something very calming about putting things back in order1
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It appears that my old workplace is the gift that keeps on giving …
Been contacted via LI by an ex colleague manager from that site, saying that he’s been pulled in by HR for a protected conversation and please could I meet him tomorrow to give him advice, as he’s never lost a job before ….! 😳
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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.9 -
Eep. Maybe send them the union contact details this evening!3
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You could not make it up. Or maybe you could.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.4 -
I don’t think that they are in a union ….PennysIntoPounds said:Eep. Maybe send them the union contact details this evening!
It’s boggling isn’t it … What in heck’s name is going on there …??beanielou said:You could not make it up. Or maybe you could.
I am so glad I’m out of it! 😉
It’s been a bit triggering and my head is whirring so I’ve just typed up a page and a half of notes, comments, suggestions tactics etc to get it out of my head! 😉😂
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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.6 -
First blame everyone else, then realise it is not them that was the problem.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******4 -
Meanwhile, in my real world … 😊
Had a look at the cleaning job this morning. Honestly, it’s hard to see what she thinks needs doing, but I will go in there, dust, tidy and mop and see if it helps her feel better … 🤷♀️
Finished reading a novel with a really dark twist … 😳
Wrapped my parents’ Christmas presents, with clearly documented instructions on the labels for the two blanket parcels that they are to be opened simultaneously! 😉😊
Cross stitch - happy sigh … ❤️
Replied to recruiter about a remote vacancy in Oxford that I think is wildly unsuitable for me, but he assures me that I am a great fit for … 🤷♀️😂
Retrieved the sofa blanket from where it had fallen behind the sofa and washed it. Unfortunately dyed one of the tea towels pink by washing it with the blanket … 😂😂
Finally tried tempeh. Didn’t hate it. Result! 👏😊
Feels like quite a lazy day, but a nice one 😊
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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.8 -
Yes, it definitely makes my experience ‘look’ different now … 😉😊f0xh0les said:First blame everyone else, then realise it is not them that was the problem.
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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.6 -
Well I'm sorry the nonsense is affecting someone else too, but I'm glad it's making you see things differently. Definitely better off out!
Have you had your second interview for the first job yet? Apologies, I'm losing track!3
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