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Mortgage free in Forever Home :-)

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Comments

  • Watty1
    Watty1 Posts: 7,020 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I love that your ex colleague had planned so well.  I'm in awe of that, given that in my 20s that was my plan, I had started to invest and had virtually paid off the mortgage.  Then I met the ex and lost sight of the goals ....ah well.  Good for him and you are lovely to help him out so.
    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 !!
  • SandyShores
    SandyShores Posts: 1,987 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I'm feeling for you being rattled, like debtfreeoneday I've had a toxic workplace experience(s) too.  I like that your colleague could distance himself and not be emotionally involved.  I felt very personally hurt in my experiences, but then that's me and I always say I'd rather be sensitive than insensitive - although I'm working on that.  Still it would be nice not to feel rattled when there's a blast from the past - maybe some coaching or counselling may help me protect my calm - I need to look into that.
    "Think of many things, do one"
    Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • The thing I found after my grim job exit was that it took a good year at least to stop reacting emotionally to any mention of them or contact from former colleagues.  I had a ping about a job there today as it happens and I laughed a lot and thought I'd rather live in a cardboard box and eat mud.  Word does get out, and people do spot a pattern of adverts for the same roles and company.
    Totally agree on all counts. I got angry at the mere mention of my ex boss for months after I left. My friend (fellow supervisor who also quit) and I meet up regularly and we've finally gotten over talking about the horrendous time we had there. We now laugh at the latest developments on what we've heard via the grapevine of who she's hired and how long they've lasted this time 🤣
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Brie
    Brie Posts: 15,066 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    What I'm taking away is the pink towel.  Nothing else matters.  (Really?  Does it?)  (I know you'll help your ex-c because you are you which is lovely)
    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

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    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
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  • skint_spice
    skint_spice Posts: 13,461 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Blooming useless recruiter! Glad you finally got the email.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • SandyShores
    SandyShores Posts: 1,987 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks Kajikita that's great advice - I'm going to work through that.  It was a toxic environment before I got there and was a toxic environment after I left without a doubt. The owners were both toxic and useless but interfering so it was a no hoper.  I don't want to let it define me, so its definitely time for an objective view.
    "Think of many things, do one"
    Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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