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Mortgage free in Forever Home :-)

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  • Could you run it through an AI for a summary/second opinion?
    Love the scurrilous suggestions, I suggest adding a rare newt/evidence of badger sett
  • KajiKita
    KajiKita Posts: 7,710 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Could you run it through an AI for a summary/second opinion?
    Love the scurrilous suggestions, I suggest adding a rare newt/evidence of badger sett
    Oh lord no, not a badger sett - you’d have the local farmers turning up with shotguns! 
    Though there is a local road that is but due to a landslip that wouldn’t be repaired until winter 2025(!) due to dormice having been found in the area of cliff they need to remove! 😉

    Not sure about the AI suggestion - might try it just for fun 😉😊

    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 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • Oh dear no the farmers would be up in arms. 

    I think of AI as the machinery in a giant warehouse going to pick according to the specifications.
    you could also ask a human to read it lol
  • KajiKita
    KajiKita Posts: 7,710 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    ‘Paid’ myself. 
    Cleared the credit card for the month. 
    Did a cash flow forecast, just in case, for the joint current account because of the increased mortgage payment at the start of next month. It’s looking very healthy and actually like we might have a spare £2K (largely made up of the missed / returned October payment). If the numbers still stack up, once I have my first new payslip … 🤞… that will become an OP.
    Submitted gas and electric meter readings, which meant getting dressed up to go out in the deluge outside to the gas meter! 😉 ☔️ Feeling virtuous ❤️

    Cats are restless-fidgets with raging cabin fever and have been sending Mr KK slightly batty this afternoon when he was trying to do modelling … 😉😂

    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 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • The AI call is a good one,  also ask it with the job spec added what likely questions might come up in the interview
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the cats aren't causing too much stress. 

    Good that your cashflow is looking good. 
    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
  • dawnybabes
    dawnybabes Posts: 3,351 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I’m keeping everything crossed for you x 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • KajiKita
    KajiKita Posts: 7,710 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope the cats aren't causing too much stress. 

    Good that your cashflow is looking good. 
    They’re fine. You have to roll with them and they are still young 🤷‍♀️😉 We’ve decided to just have a plastic tree this year as we’re not *quite* sure how they are going to react to a vertical cat tower with sparkly lights … 😂

    Thank you 😊 I feel much more reassured after checking it 😊

    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 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
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