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Mortgage free in Forever Home :-)

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  • LadyWithAPlan
    LadyWithAPlan Posts: 3,751 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Happy 60th to Mr KK, sounds like a lovely weekend.

    This new possible job sounds interesting - i nowadays tend to only work for small companies, contracting direct to the ceo,  I cant  be dealing with the politics of larger ones .., a friend of mine does a lot of project mgt and she is always tearing her hair out midst zoom as to all the chaos,

    I think even getting below £200k will be a big win - have you looked at when that is due to happen and the track your OPs against shortening the time for the sub £200k. Then you can refocus on £190k etc 
    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
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,404 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Happy birthday Mr KK 😁❤️
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy birthday Mr KK
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy 60th to Mr kk. 
    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.
  • KajiKita
    KajiKita Posts: 7,707 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Mr KK smiled and appreciated your good wishes 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • dawnybabes
    dawnybabes Posts: 3,351 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy 60th birthday Mr KK 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Cheery_Daff
    Cheery_Daff Posts: 17,170 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh, nice idea to focus on flowers 😊 I had a year off veg last year so do want to grow some this year, but someone bought me a large collection of flower seeds for Christmas so I'd like to get some of those in too. We'll see!
  • Watty1
    Watty1 Posts: 6,836 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I always think it is lovely to focus on flowers.  Sadly WattyDog does not so we have very few here, although the spring "patch" is looking lovely at the moment.
    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 !!
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