We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage free in Forever Home :-)

1504505507509510700

Comments

  • beanielou
    beanielou Posts: 96,895 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Pootling is good. 😊 
    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.
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Huge well done on the steps.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • KajiKita
    KajiKita Posts: 8,611 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Huge well done on the steps.
    Thank you 😊
    Not sure if I will manage that many today, but I’m at the same site today and the weather is good, so I should manage a walk at lunchtime 😊

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 62 books of target 52 in 2025, as @ 4th November 
    Produce tracker: £426 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: 1,772 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Definitely sound a lot cheerier these days KK
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,840 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Well done on the steps 👏🏻 I need to do more. I've gotten really lazy lately with the bad weather. I just want to hibernate. 
  • beanielou
    beanielou Posts: 96,895 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done on the steps 👏🏻 I need to do more. I've gotten really lazy lately with the bad weather. I just want to hibernate. 
    Same here. 
    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.
  • KajiKita
    KajiKita Posts: 8,611 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on the steps 👏🏻 I need to do more. I've gotten really lazy lately with the bad weather. I just want to hibernate. 
    beanielou said:
    Well done on the steps 👏🏻 I need to do more. I've gotten really lazy lately with the bad weather. I just want to hibernate. 
    Same here. 
    I get what you both say, but I want to feel a bit more alive. Getting some exercise in does seem to help that a bit. 

    11.2K steps today. I won’t get nearly as much done tomorrow as I will be on a different site where there’s nowhere to walk to. A rest day might not be a bad thing though as the muscle on my right shin is hurting. 
    Busy morning in work but the afternoon dragged. 

    I did manage 10 minutes of tidying in the office this morning. It didn’t make a huge difference but I cleared c. 10 items and started reviewing my noticeboard to clear down to make space for a new vision board 😊 

    Refund for the returned Christmas slippers should be in my big river account shortly apparently. I will then try and reorder again! 

    My winter honeysuckle plant turned up today. It’s teeny-tiny! I think I will have to grow it on for a while before planting it out as it will be swamped in my garden! 😉😂

    KK


    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 62 books of target 52 in 2025, as @ 4th November 
    Produce tracker: £426 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. 
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the steps. Been there on the plants.

    You seem more at peace in this job despite the newness?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.4K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.4K Work, Benefits & Business
  • 601.2K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.