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Mortgage free in Forever Home :-)
Comments
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It was scary for her for the first few weeks as she couldn’t see that she was improving at all and she has always been quite resilient before (she’s had a late diagnosed ectopic pregnancy and a car crash in her past …) Now, finally she can see some progress and mentally she is becoming more herself as well.LadyWithAPlan said:Your poor friend - sounds awful but glad she on the mend..
never heard of mushroom balm !!I hadn’t heard of it either 😊
KKAs 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 64 books of target 52 in 2025, as @ 11th 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.2 -
link here too please!!!KajiKita said:
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅1 -
Link too please 🥰Sealed pot challenge 822
Jan - £176.66 :j1 -
Link too please - far too many aches and pains - but - interestingly for me the acupuncture lowered the pain level substantially. So much so I am off again next week.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!1 -
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 64 books of target 52 in 2025, as @ 11th 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.3 -
Your poor friend. That sounds so grim.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 -
Please may I have the link for mushroom balm too? Thanks @KajiKita! Love Humdinger xx
Updated to read: I now see it above! Posted too early. Thank you and hope your friend is soon on the mend xx2 -
£5.90 from QM33 sent off as an OP along with a 53p TT 😊
Started using the new laptop - found that I was missing a critical file (my YNAB SS! 😳😂) so emailed it to myself from my old laptop.Mortgage payment should have gone out yesterday but didn’t - because Saturday, I’m guessing 🤷♀️ I am hoping it will be going out tomorrow and with the £2K payment I made a while back that doesn’t show up in the balance between monthly payments, we should be below the next £10K, i.e. below &240K … 🤞
Picked snowdrops for my bedside table today and harvested parsley from the greenhouse yesterday. Added both of those to the produce tracker.After watching gardeners World on Friday night I’ve bought myself some candelabra primula seeds and various other cut flower / border flower seeds to play with including some Tithonia Torch 😊
Other than that a very quiet day with lots of tapestry (broke the rule I put on myself and moved it onto the next section without completing every single stitch in the first section - I’m enjoying it again 😊), as my throat is hurting and I’m cold and tired again … sigh …
KKAs 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 64 books of target 52 in 2025, as @ 11th 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.7 -
My throat is sore too, hope we both recover soon!
The seeds sound a great buy, I am almost tempted to buy some.Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
The seeds sound lovely.
The balm sounds interesting - although I looked up the ingredients online and it came with some warnings.
Well done on the tapestry. I may have given away a tapestry I'd been working on prior to the move - which I kind of regret now.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 14/11/250
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