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Mortgage free in Forever Home :-)
Comments
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As at 15.12.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£227,385
- OPs to mortgage = Β£12,881 Estd. interest saved = Β£6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80Β books of target 52 in 2025, as @ 25th DecemberΒ
Produce tracker: Β£457 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β5 -
My knowledge of nematodes comes from Spongebob Squarepants.Β I shall be humming 'Who lives in a pineapple under the sea' for days now...3
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Whoosh!!ΒHumdinger1 said:My knowledge of nematodes comes from Spongebob Squarepants.Β I shall be humming 'Who lives in a pineapple under the sea' for days now...What was that passing overhead β¦?Β(I donβt think I have seen a single episode π€·ββοΈππ)
KKAs at 15.12.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£227,385
- OPs to mortgage = Β£12,881 Estd. interest saved = Β£6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80Β books of target 52 in 2025, as @ 25th DecemberΒ
Produce tracker: Β£457 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β4 -
You have a treat in store @KajiKita! There's also some sort of sea-creature that plays the clarinet, possibly a squid called Squidward...love Humdinger xxΒ2
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2 x Β£50 have landed in our NW joint account. Immediately swept off to Coop as an OP.
72p came in from TCB - sent off as OP.
41p TT of joint account sent as OP as well
KKAs at 15.12.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£227,385
- OPs to mortgage = Β£12,881 Estd. interest saved = Β£6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80Β books of target 52 in 2025, as @ 25th DecemberΒ
Produce tracker: Β£457 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β6 -
Nice, our NW ones haven't arrived yet but hopefully tomorrow.Β Β"Think of many things, do one"
Mortgage 31Dec'25 est. Β£204,330Β Β£309,749 2020Β (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yogaΒ3 -
I have treated myself today β¦. twice!ΒFirstly I bought a pretty notepad for the Medicinal Forest Garden course I have started (Β£8):
This evening I ordered a Myrtle plant (Β£15.99) as that was the first topic covered in the course and the description of the plant has got me intrigued π
Sharing this partly because I have spent Β£45 on this online course and Iβm hoping for a little, gentle accountability here, so that I continue with and complete it π
KKAs at 15.12.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£227,385
- OPs to mortgage = Β£12,881 Estd. interest saved = Β£6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80Β books of target 52 in 2025, as @ 25th DecemberΒ
Produce tracker: Β£457 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β9 -
I love the notebook!Mortgage OP 2025 Β£7700/7000Mortgage OP 2024 Β£7700/7000
Mortgage balance: Β£33,821
Boiler fund Β£925/3000
βDo what others wonβt early in life so you can do what others canβt later in lifeβ (stolen from Gally Girl)2 -
That is notebook is lovely, where is it from?
You will absolutely get gentle accountability about the course as we expect you to share your education with us! ππ1 -
Notebook is pretty as is your garden.ΒAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£171.3K Equity 36.55%
2) Β£2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC Β£30.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 35.5/Β£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£5.1K updated 14/11/250
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