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Mortgage free in Forever Home :-)
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Thanks @Watty1, @CCW007 and Dr @Brie 😉
Unfortunately, Chloe-bean is upstairs fast asleep in her own little world and Mr KK is off at a tank thing with his Best Man … 😉
However, I am enjoying the peace and quiet and getting some small stuff done 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.8 -
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.2 -
Thanks Beanie 😊beanielou said:Enjoy a quiet weekend.
Had a quiet but reasonably productive day.- All washing wrangled and either put away or finishing airing.- Toscos delivery wrangled.- Paid builders merchant account for the greenhouse Perspex and glass - £42
- Paid plumbers bill for the new expansion tank for the boiler - £220. Not bad, but there will be a bit more to come, due to one of the side covers crumbling to bits in his hand as he took it off.- 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 …? 🤷♀️- Kindling chopped and firewood for tonight brought in - the latter half killed me - really short of breath afterwards.- Two weeks worth of financial updates done and all spends assigned.- Month end money shuffle done:
- Surprised and pleased myself by remembering what every transaction was for and everything balancing.
- sent a chunk of cash back to interest gathering savings as I won’t need to spend it yet, so it might as well earn interest until I do.- Sent £179.71 of spare funds from my current account and £10.15 from the joint account off as OPs. Adding those into my tracker I have hit 143% of target OPs this month (not including the one off special of the £2K that came from the settlement) 😊
- Cleaned water jug and renewed filter. Added to calendar.
- Emptied kitchen bin
- Finally ordered presents for broken femur friend 😊
- Finished watching St@r Tr3k Voy@ger … kinda bittersweet as they have been company for me now for c. 4 months. Feel a bit ‘whadda I do now then?’. I may cancel my N3tflix subscription if nothing comes up as appealing between now and the end of March (clock change) when I would normally cancel it anyway.Sat on the sofa this afternoon and started watching a documentary about Neanderthals. Started feeling sleepy so allowed myself to dose off. After a while Chloe crashed in through the flap and came to sit on me - dinner was required! 😊 She surprised me as she came back and sat on me again after eating 😊❤️ When Mr KK got home though, there was sooo much cat-fuss for him!! 😉
Easy dinner tonight and then I’m hoping we will watch the M Don episode from last night that I didn’t watch.KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.5 -
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.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 …? 🤷♀️1 -
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 30Jan'26 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga1 -
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 £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251 -
I am …? I feel miles behind where I wanted to be atm, so think you for that 😊SandyShores said: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.
It’s been pretty bad. 🤷♀️savingholmes said:Sounds like you've been really ill. Pain about the no sick pay. Glad Chloe is adjusting and you are getting more cuddles.
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 …
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.4 -
I don’t know how you do it. Take it easy xI 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.1 -
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#latest1 -
Trust me, I have, all afternoon! 😊beanielou said:I don’t know how you do it. Take it easy x
Really not. Only 3.4K steps today. 😊LadyWithAPlan said:wow a busy KK weekend despite you being ill !Done a LOT of tapestry this afternoon but can’t really see any progress because I am doing all the fiddly, filling in bits on the section I have worked so far before I then rotate the frame in one direction or the other - the section I have done so far is in the centre. It’s been lovely 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.6
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