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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
    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 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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,771 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    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
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,683 Forumite
    1,000 Posts Third Anniversary Name Dropper
    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: 8,028 Forumite
    1,000 Posts Fourth 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 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. 
  • ladybird1106
    ladybird1106 Posts: 830 Forumite
    500 Posts Photogenic First Anniversary Name Dropper
    Gardening is always good for the soul
    love 🐞

    Grow your own: £14.66
  • 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: 7,639 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.
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • ladybird1106
    ladybird1106 Posts: 830 Forumite
    500 Posts Photogenic First Anniversary Name Dropper
    You’ll never see or taste shop bought pizza the same way after making them from scratch.
    love 🐞

    Grow your own: £14.66
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