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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 9,937 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Haha @f0xh0les, I honestly didn’t follow most of what your said but I appreciate the thought 😊😉

    Thanks @carolbee 😊

    I have been so tired today I’ve been struggling to get out of my own shadow … I did host the inspection sign off (the samples passed), communicated the result to various places and then hosted the follow up meeting with the sign off team. Shared another piece of work with my boss who said ‘good work’ <- too little, too late 🤷‍♀️😉

    Council tax bill has crash-landed. 11% increase overall. That is going to need some rejigging of the joint budget this weekend. I have warned Mr KK …

    A nicer piece of correspondence was my new employment contract arriving 😊

    Ordered flowers and truffles from MnS for £35 but had enough vouchers from their CC to actually only have to pay £1 - does that count as an NSD or not …? 🤔 This means that the foul mood she is always in when the clocks change on Sunday will be somewhat offset by the niceness of being remembered and spoilt a bit … I’m hoping so anyway! 🤞😂

    No other significant news to report. Aiming for a quiet evening!

    KK


    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 26 books of target 52 in 2026 as @ 12th April. 
    Produce tracker: £78 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. 
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Frogspawn - it’s always had a profound effect on me. Thank you for posting pictures. When I was a child we were fortunate to have a large garden and Mum and Dad took me to gather frogspawn and put it in an old stone trough pond. It always thrived and I’ll never forget the tiny froglets jumping down the lawns in summer.

    I also had newts in a huge tank indoors but that’s another story.

    I will vicariously enjoy your frogs and spawn as sadly I have no space in my tiny suburban plot!


    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • KajiKita
    KajiKita Posts: 9,937 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Frogspawn - it’s always had a profound effect on me. Thank you for posting pictures. When I was a child we were fortunate to have a large garden and Mum and Dad took me to gather frogspawn and put it in an old stone trough pond. It always thrived and I’ll never forget the tiny froglets jumping down the lawns in summer.

    I also had newts in a huge tank indoors but that’s another story.

    I will vicariously enjoy your frogs and spawn as sadly I have no space in my tiny suburban plot!


    I’m glad I am giving you vicarious pleasure, but @debtfreewannabe321 is right, you can make tiny ponds and the wildlife are still happy to use it 😊

    KK
    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 26 books of target 52 in 2026 as @ 12th April. 
    Produce tracker: £78 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. 
  • Those pics have really warmed my cockles @debtfreewannabe321, thank you for sharing 😊 

    I am also getting vicarious frogspawn joy @sallyforth so thank you KajiKita!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Those pics have really warmed my cockles @debtfreewannabe321, thank you for sharing 😊 

    I am also getting vicarious frogspawn joy @sallyforth so thank you KajiKita!
    Thank you for the wildlife bucket and frog spawn ideas. I reckon I could put some of them into my raised beds relatively easily so brilliant suggestion. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • ladybird1106
    ladybird1106 Posts: 1,264 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Congrats on the new job KK, really pleased for you.
    love 🐞
    Declutter 984/2026
    £62.30 saved by growing and eating my own 2026
    books read 5 in 2026
    £185 🥳 funpot
    🐞change pot £39.53
  • KajiKita
    KajiKita Posts: 9,937 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks @ladybird1106 😊

    Very tired this morning. I have woken with the birds for the last three mornings and I have a jumble of current job and next job going round in my head which then stops me getting back to sleep. What am I like?! 🤷‍♀️😂 Sadly, I think I will have to close the window tonight so they don’t wake me tomorrow. 

    Its a bit chilly here, we had a grass frost overnight, but it is forecast to be dry here all weekend and through next week - too dry actually, we could do with some rain. I made a list of jobs to do over the weekend whilst in work yesterday so will quietly get on with them … Washing is on! 👏  Now it’s time to have some breakfast! 😊

    KK
    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 26 books of target 52 in 2026 as @ 12th April. 
    Produce tracker: £78 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. 
  • f0xh0les
    f0xh0les Posts: 7,850 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I took DH to the train station just before 7 and had to scrape the ice off the windscreen! Was not expecting that.
    4/10/25Three Years Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
    No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
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