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Mortgage free in Forever Home :-)

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  • SandyShores
    SandyShores Posts: 1,967 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Its coming down 🎉
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • redofromstart
    redofromstart Posts: 5,839 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope it goes well tomorrow KK
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive vibes for the morra. 
    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.
  • skint_spice
    skint_spice Posts: 13,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the mortgage and good luck today.
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,377 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    🙌🏻😁 yaaaay!
    Sending good vibes for today ❤️
    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
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sending love @KajiKita; you'll ace it! Love Humdinger xx 
  • Viking_mfw
    Viking_mfw Posts: 728 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    Go for it!
  • greenbee
    greenbee Posts: 17,797 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope it goes well and is interesting :)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck today!!

    Well done on the mortgage reduction. Good that Mr KK is contributing more to OPs etc now too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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