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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 - current in the £160s whoop whoop1
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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 £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252 -
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 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £385 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.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 £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
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!
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
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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 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £385 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.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 👍https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 49
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r64 -
My vote is for chip supper also1
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