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Mortgage free in Forever Home :-)

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Comments

  • savingholmes
    savingholmes Posts: 29,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think our confidence gets knocked by some employers and it takes a while to recover. I've experienced that too. You will get to the other side.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • KajiKita said:

    Mr KK’s mother still hasn’t opened the box of Black Magic he gave her for Christmas because ‘I’m scared I’ll start eating them all and I won’t be able to stop and it will set off my diabetes’ … Mr KK is bemused and frustrated by this! 😂🤷‍♀️ He offered to take them home with him and then take her three of them per week when he goes over. ‘Oh, that’s a bit mean!’ was the response to that …. 🙄😂😂😂😂 Bizarre. 

    Time to go and change my bed linen and have a nice warm shower … 😊

    KK


    Loving this ;)  You'd have to wrestle a box of Black Magic out my cold dead hands ;)

    Glad you settling in at work
    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
  • It does sound like your last job made you a tad hyper vigilant maybe. When you describe your days off you sound like you enjoy them for what they are and not just as respite from a horrible situation 
  • KajiKita
    KajiKita Posts: 10,665 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Oh I forgot to mention …. During my hour in the garden I made a start on clearing the ground under the pine that I want to make ‘Ma’ (empty space) … and promptly snapped my garden fork! 😳😢 Gah … Now I need a new handle but probably a new fork as well … Sigh …

    It is already starting to look better though 😊

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 62 books of target 52 in 2026 as @ 30th August. 
    Produce tracker: £222 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. 
  • Gardening is always good for the soul
    love 🐞
    Declutter 1536/ 2026
    books read 11 in 2026
    £320 🥳 funpot
    🐞change pot £84.92
    £20/£500

  • I think the benefit of counselling comes from expressing things you already know. In your own head they have an extra dimension of anxiety that comes from questioning them. Which in turn strengthens them. Letting them out in counselling has a dilution effect
  • f0xh0les
    f0xh0les Posts: 7,921 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    KajiKita said:
    And another thing … 😂
    I can comfortably say that I ‘make pizzas from scratch’ now 😊 #proud … 🤩
    🎉 Proper hardcore oldstyle money saving life skill ♥️. Well done.
    4/10/25Three Years Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
    No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • You’ll never see or taste shop bought pizza the same way after making them from scratch.
    love 🐞
    Declutter 1536/ 2026
    books read 11 in 2026
    £320 🥳 funpot
    🐞change pot £84.92
    £20/£500

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