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Mortgage free in Forever Home :-)
Comments
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How lovely to get the voucher.Happy happy holidays. Relax and enjoy xx.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Happy holidaysMortgage OP 2025 £6750/7000Mortgage 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)2 -
What a lovely gift.Sealed pot challenge 822
Jan - £176.66 :j2 -
Ah so glad you got the voucher too! I also got the voucher going round out workplace. I wasn't expecting it as it was for work well done last year and I'd only been with them since November! I was super happy and surprised when the voucher landed in my inbox 😁🙌🏻
It made me feel like I belonged even though I was the newbie.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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We had a Xmas staff party on Thursday. They handed out four drinks tokens on the way in, as apparently someone had had a little too much fun when it was an open bar all evening. And as I heard, by 5pm they'd stripped to their birthday suit and was streaking around everyone falling all over the place 😂 however...the four tokens...they weren't asking for the tokens for the most part and I had had six drinks on two tokens by 6pm 😂 and one person was carried out before I left because they were so drunk... 🙈 So not sure that was working well 😆.redofromstart said:I really like that they hand them out in person. Mr Redos employer made me laugh - one 'all you can drink' party before they changed ownership followed by a few years of primly posted to home vouchers. There is a lot more value in the individual thank you for me but I always wanted to know just who had done what to stop the parties.
Happy Holidays to you all.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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How lovely on the voucher. So welcoming.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/253 -
I did smile at the voucher. What a great place to workMade 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 !!2 -
Thanks all 😊
Not done a huge amount today, we are just gently stopping ….
- 2 big loads of washing done and either tumbled or on the electric airer
- Christmas cards written and dropped in the post or walked around the village. The latter involved walking up and down dale, and then, up again and down again! 😂 I really must work out a better route / sequence next year 😉
- Mr KK vacuumed right through, upstairs and down.- Read ‘B@llet shoes’ from start to finish - lovely 🥰
- Tidied some free ‘bin liners’ I got from work last week. They aren’t really bin liners but they are a similar size and would immediately go to landfill without being used so I tried one and it worked well. Folded them up small and tucked them in a storage box.
- Did some tidying in the dining room and snug. Chloe bit scared because I put an unwanted dressing table mirror on the floor of the conservatory, to go to sale or CS, and seeing her own movement scared her. Bless.I’m glad it’s been a quiet day. I am shattered now …
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 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
My work is doing an advent calendar where ppl win for various ‘doing work well’ reasons. Not quite in the Christmas spirit5
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That actually sounds like quite a lot in my opinion!! But I realise you are a bit of a dynamo.
Poor scaredy cat Chloe!! Did she bap her reflection?? One of mine would bap the mirror tentatively to judge how friendly "that other cat" might be. And took great offence at a bag of mine that had a life size cat pictured on it.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
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅6
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