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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gorgeous tapestry. 

    Glad you got the time off you wanted - and managed to recover the missing window panes.
    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 29/7/25
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Lovely tapestry and you got a decent amount of snow!  
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • KajiKita
    KajiKita Posts: 8,028 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Gorgeous tapestry. 

    Glad you got the time off you wanted - and managed to recover the missing window panes.
    It’s nice to know that break is in the bag - I can plan work around it now. 
    Soooo lucky with the greenhouse! 😊

    Lovely tapestry and you got a decent amount of snow!  
    Thank you 😊
    Snow is all gone now thank goodness! It’s warmed up a lot as well, which is more comfortable 😉

    KK
    As 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. 
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Good work. You achieved a lot. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,771 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    I think a cushion would be lovely from the tapestry if you can keep Chloe off it!
    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
  • KajiKita
    KajiKita Posts: 8,028 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Good work. You achieved a lot. 
    Thank you 😊

    I think a cushion would be lovely from the tapestry if you can keep Chloe off it!
    But … I am Regal … says Chloe! 😉😂😂😂😂

    KK
    As 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. 
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,683 Forumite
    1,000 Posts Third Anniversary Name Dropper
    It would be lovely as a wall hanging or over a window with the sun shining through the colours. 
  • KajiKita
    KajiKita Posts: 8,028 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It would be lovely as a wall hanging or over a window with the sun shining through the colours. 
    Ooh, interesting idea … if I could get the edges tucked in enough it would look fabulous with a dark blue velvet backing …. 🤔😊

    KK
    As 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. 
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