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Mortgage free in Forever Home :-)
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I am so thrilled for you - and pleased that you allowed yourself a little more time off that you can now enjoy more freely now secure that you have a new role to go to.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 29/7/251 -
It sounds good all round KK 😊 less commute time means more time at home! Less money - you've got a great budget set up now and I have no doubt again you'll make the extra £5k when the time comes! -- in fact put it on the vision board 😆👏🏼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.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
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Such good news. And great that you will be working for an organisation that aligns with your values. This is something that I really want to do for my next move - it's been on the list previously, but never the top priority.3
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KajiKita said:@debtfree@debtfreewannabe321, I’m absolutely convinced that the vision board concept you shared made a huge difference in this process. The very first question after my presentation was one that directly pointed to one of the post-its on my board …. Why that company? Because I want to work in a company that does good in the world. (They manufacture living aids - things like slings to get people in and out of the bath, seats that go in wheelchairs - all customisable to the individual user.).I’m intending to do another vision board in a similar format for what I want my 2025 to look like …
Thank you 🙏
@CCW007, I was quite proud of the weaving in of site examples …. 😉 I did blow my trumpet to Mr KK about that a bit. 😊😉
They wanted me to start next Tuesday! Too soon …. 😂😂 I need a few days to properly relax and finish sorting the house out.I suggested 9th December. Means I get a couple of weeks in before Christmas and can start the new year knowing the routine and what the priorities are. I quite like that 😊
KK
Great it aligns with what you want, a short commute is a good thing and hopefully that extra £5k and bonuses will be with you asap
Maybe get clear on your VB on what acceptable working hours look like
I keep meaning to do my new Vision Board - though I do have some pics I have torn from home decor magazines - all high end open plan huge kitchens with amazing patios outside ...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#latest3 -
The shorter commute makes so much difference, you will save 4/5 hours a week over a year that’s lot of time back and obv less petrol, wear and tear on the car etcSealed pot challenge 822
Jan - £176.66 :j2 -
Thanks all 😊 Feeling pretty positive in spite of being a bit lurgified atm.
Been a fairly busy day.
Exercise:
- Walk fit workout first thing - day 4 now 😊
- Gentle yoga stretching session.
- 2.5 hours of cleaning at the neighbours’ - supposed to be 2 hours but I was part way through cleaning a drinks cupboard and everything was everywhere at two hours - couldn’t be left like that.- Overall I hit 10.5K steps today 😊
Finances:
- £60 in from the cleaning - put aside for my Hori Hori when it comes available
- Additional £32 out per month because the cephalopods have increased our DD after my latest meter readings. I’m not wholly surprised and we have enough slack in the joint account inputs each month that we can absorb this cost without needing to increase our personal monthly transfers to that account.Home:
- Clean bedsheets - happy sigh … 😊
Job stuff:
- Checked the contract when it came across
- Sent off photos of my P45 and passport
- Contacted two referees and shared their emails with new HR lady
- Confirmed start date (9th) and that I will attend an induction session next Tuesday as the next one is January
- Updated and sent off the final progress on job hunting summary email to the job centre for my review tomorrow. There’s something about signing on that makes the Universe send me real job opportunities 😊
KKAs 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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.12 -
An excellent day, well done. Hope you sleep very well in your blissful fresh sheets and feel much less lurgified tomorrow4
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Just delurking to say brilliant news about your new job. I think we are all breathing a collective sigh and can relax for you now. Huge well done!!"Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga5 -
Another delinking to say congratulations on the new job and I hope you love it 🥰 the last place treated you appallingly 🙁 willow.4
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Thanks @PennysIntoPounds, I slept like a rock last night 😊
Thanks also, @SandyShores and @Willow1983, I think sometimes we have no idea just how many people might be reading posts here … 😉😊
Busy day here.Did two w@lk fit workouts this morning as I was so flipping cold! Day 5 on the trot.Then retrieved my steel toe caps from the radiator where I had been warming them, to do some cleaning in - I need to get used to wearing safety shoes again after months of not! Cleared out, swept out and fast mopped the downstairs loo and hallway tiling. It looked tidier afterwards as I rearranged everything more logically but I didn’t think that it looked much cleaner - I was quite disappointed. But, Mr KK thought it looked a lot better 🤷♀️
Breakfast and got changed to go down to town.
Posted signed contract.Changed library books - tried very hard to get cheerful ones!Sat down with the job centre lady - she seemed a bit vague … opened with “So how’s the job search going?” even though I emailed her a full update last night, as per arrangement… 🙄🤷♀️
Lunch: 1/4 quiche, leftover sprouts and cauliflower in a cheez sauce with a roast tomato 😊
Swift wash up, canned again and got out for a walk.Home for lots of cups of tea with St@r Tr3k V0yager from the beginning along with cross stitch.Lit the fire, early at 4.30pm (it was 15C here! 🥶) without it smoking at all in spite of a hefty downdraft - proper proud so Mr KK had a warm house to come home to after a day freezing his doo-daas off, working outside in the fog!I’ve done 12K steps today - go me! 😊
KKAs 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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.8
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