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Mortgage free in Forever Home :-)
Comments
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As at 15.08.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£232,244
- OPs to mortgage = Β£12,148Β Interest saved Β£5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: Β£353 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 15.08.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£232,244
- OPs to mortgage = Β£12,148Β Interest saved Β£5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: Β£353 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 15.08.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£232,244
- OPs to mortgage = Β£12,148Β Interest saved Β£5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: Β£353 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 30 Sep'25 est. Β£208,500Β Β£309,749 2020Β (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); 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 15.08.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£232,244
- OPs to mortgage = Β£12,148Β Interest saved Β£5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: Β£353 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£6750/7000Mortgage OP 2024 Β£7700/7000
Mortgage balance: Β£35,463
Declutter 12/244
Money making challenge Β£58/400
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! ππhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 49
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r61 -
Notebook is pretty as is your garden.ΒAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£172.5K Equity 36.11%
2) Β£1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC Β£26.8K + Lump Sums DB Β£4.6K + (25% of SIPP 1.2K) = 32.6/Β£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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£4.8K updated 13/9/250
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