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Mortgage free in Forever Home :-)
Comments
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like your attitude to the pampered prince. letting go, wishing well, closing that chapter. Nice. Enjoy the lovely Spring weekend we have.
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 !!2 -
Happy weekend KK
I have a whole list to work through this weekend
Don't forget soaking up the sunshine in that list. Good for the soul and the immune system (I see you're still struggling with energy like me after being ill?)
😁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. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Enjoy your 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.1 -
Glad you have booked some time off between jobs.
Interesting reaction from the colleague.
The garden sounds like it is shaping up.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/250 -
Thanks @Watty1, @beanielou, @savingholmes, @debtfreewannabe321 - I have soaked up enough sun weeding the garlic this morning that I won’t need my vitamin D tablet today 😊
Made a good start:
- 2 loads of washing done and almost dry in the line in the breeze
- Wrangled Toscos delivery whilst Mr KK was out getting his hair cut and seeing his mum
- Picked up my prescription and refuelled the car at the new, cheap garage.- Finally emptied the second bag of bark! 👏🎊🥳🎉🤩😊 Used most of it to finish the path through the copse. It looks so different now, far more ‘intentional’ as a space iyswim 😊
- Weeded the garlic bed, beating back the bindweed that is just starting to appear in the warmer weather …
- Helped Mr KK move a pallet, bags of compost and an ancient metal barrier that he wants to repurpose out of sight to behind the garage etc.
- Smashed up with a hammer the very, very ancient bag of ground volcanic rock that apparently bring mineral fertility to soil 🤷♀️ I have had this literally for years. Cleared it of weeds and roots and started sprinkling it through the veggie beds.KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.6 -
Good luck with the volcanic matter... It is supposed to be anti-ageing if you use it to grow food crops too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
Really??! Wow … 😊😉👏😂 Well I will take uptick in the fertility here as it’s dreadful! 😊 All now spread all over 👏savingholmes said:Good luck with the volcanic matter... It is supposed to be anti-ageing if you use it to grow food crops too.
Had a lovely if tiring day today. Done LOADS in a garden full of birdsong and plum blossom ❤️ We will draw a kind veil over the state of my house, yes …?Weeded the shallots bed and the section beyond that where I want to put the sweet peas in tomorrow. The ground was very dry so gave it a good watering and will water it again tomorrow.Finished sprinkling the volcanic rock stuff everywhere. I’m expecting plant miracles now! 😉😂
Oh and a little job I did first thing that I forgot to mention - potted up the Comfrey Bocking 14 roots that arrived in the post yesterday 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
Ooh, lovely that you have plum blossom
Ours has barely got leaves yet (and has also never produced a single plum!) 4 -
No leaves here, just beautiful, simple clear white flowers. ❤️ If the wind drops down a bit tomorrow I will try and get a picture.Cheery_Daff said:Ooh, lovely that you have plum blossom Ours has barely got leaves yet (and has also never produced a single plum!)
We had very few plums last year, the few that we had we gave to MiL to make jam with 😉😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.5 -
We will draw a kind veil over the state of my house, yes …?
Ditto 🤣🤣🤣
We've got lots of blossoms too on apples, pear, plum trees 🥰 looks so pretty.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. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
2
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