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Mortgage free in Forever Home :-)
Comments
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Oh, the postcards in the job centre! That takes me back. Simpler times!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
Doesn't it just. As a student I got my summer jobs off those postcards!South_coast said:Oh, the postcards in the job centre! That takes me back. Simpler times!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 !!3 -
Massive congrats on the job front. The whole process of getting work is unnecessarily longwinded. Time to recover from the process and celebrate xMortgage at largest £280050 with MF date 2038 - currently £1560001
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I too think the current JC system doesn't work. It is purely about checking whether or not you bothered applying for something and signing off interview expenses. I hope you claimed those?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 14/11/252 -
Interview expenses?? Nobody has mentioned those …?? Really?savingholmes said:I too think the current JC system doesn't work. It is purely about checking whether or not you bothered applying for something and signing off interview expenses. I hope you claimed those?
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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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.0 -
You used to be able to claim x pence per mile. Worth investigating. I think I last signed on around 2009 though so very out of date.KajiKita said:
Interview expenses?? Nobody has mentioned those …?? Really?savingholmes said:I too think the current JC system doesn't work. It is purely about checking whether or not you bothered applying for something and signing off interview expenses. I hope you claimed those?
KKAchieve 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 14/11/250 -
Just catching up KK 😁 hope you're feeling better now?
I remember the old postcards at the JC. I didn't mind going there back then. The last time I went was with my mum who was just turning 60 and she had just had a hip replacement - like weeks before. They demanded to know what she was doing about getting herself a job! I am glad I was there to put them straight .... She would have just sat and been told off!!
I couldn't actually believe my ears!
Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £100/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest5 -
Thanks @debtfreewannabe321 😊
I seem to be a bit on edge …. Probably mild anxiety about starting the new job and the run up to Christmas ….
Had the first part of my induction yesterday - 2 hours, very thorough, rather dry …
Received an email from the lady I will be working with to say what I will be doing for the first two days whilst she is off, recovering from three, back to back assessment visits!Last session of cleaning done today - I looked around the house after I’d finished and I could see where I have been over the last three weeks. Hopefully that will set them up well with a ‘proper’ cleaner now 😉😊
Been doing the WFit workouts every day, sometimes two of them. Also been eating rather a lot so not expecting any loss this week, but a maintain would be good as I am feeling a bit fitter and my posture is improving, I think.
£50 win on the PBs - Mr KK has suggested some of it should be spent on a chip shop supper over Christmas! 😂😉❤️
Signed off JSA. Will get my last payment next week I think. That will help offset a small part of no pay over Christmas (no annual leave accrued yet), though they might pay me the BHs? 🤔
Saw my very serious gardening friend for a catch up and a brew this afternoon. She suffered a compressed vertebrae fracture in between her sholuder blades 3 weeks ago and is slowly recovering. I was talking about the Christmas chicken and reiki (dunno why I seem to be telling everyone about this! 😂) and she asked if I still did reiki for people. I said yes, she said would you give me some, I said yes, so I did 😊 It seemed to help the emotional side of things (I think it was pretty shocking and traumatic - she described how when it first happened she was checking whether or not she still had sensation in her arms and legs ….! 😳). She’d also got one of her gardeners to pot up some sections of gorgeous dark pink chrysanthemum and Japanese anemone plants that I’d had admired a few weeks ago 😊❤️🤩
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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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 -
Aw, glad you could help your friend out.
Well done on all your doings, and hurrah for the PB win! Christmas chippie tea sounds a good idea 👍4 -
My vote is for chip supper also1
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