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Mortgage free in Forever Home :-)

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Comments

  • beanielou
    beanielou Posts: 95,944 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy a quiet weekend. 
    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.
  • CCW007
    CCW007 Posts: 1,097 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    KajiKita said:
    - Rang Giggleclear to try to find out why my VPN is showing me as being in Germany - that seems to be what is blocking me from a lot of surveys. Apparently it’s nothing to do with them … I guess I have to do more research into my iPad settings …? 🤷‍♀️



    We are also with Giggleclear and I had issues with PA on my phone when I restarted a years ago. I had to do lots using data on the phone and then it seemed to clear itself without any explanation.
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    You are so organised and proactive Kajikita, even when you aren't at your best.  Hope you're feeling better today and congrats on the OPs.  
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you've been really ill. Pain about the no sick pay. Glad Chloe is adjusting and you are getting more cuddles.
    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
  • KajiKita
    KajiKita Posts: 8,006 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You are so organised and proactive Kajikita, even when you aren't at your best.  Hope you're feeling better today and congrats on the OPs.  
    I am …? I feel miles behind where I wanted to be atm, so think you for that 😊

    Sounds like you've been really ill. Pain about the no sick pay. Glad Chloe is adjusting and you are getting more cuddles.
    It’s been pretty bad. 🤷‍♀️
    Chloe was cwtched up to Mr KK all night! Apparently, it’s quite difficult to sleep when a cat is purring that hard! Bless the little toad … 😂❤️

    Worst job of the week completed here: bathroom and downstairs loo are clean! 
    Swept through the house as a tornado sweeping up the tsunami of tissues that have been used this week! 🙄 Aka, emptied all the internal bins 😊
    Put all my clean washing away. 
    Found a new n3tflix series to watch 😊
    Lots of Du0lingo done - might go up a level this week …? 
    Couple of small surveys done.

    Washing machine has finished … must go throw things around …

    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. 
  • beanielou
    beanielou Posts: 95,944 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I don’t know how you do it. Take it easy x
    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.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,771 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    wow a busy KK weekend despite you being ill !
    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
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