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Mortgage free in Forever Home :-)
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Good luck today KK! 😁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
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Good luck xx1
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Hope today goes well.1
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Happy New Job!1
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Wahoo it is today! Hope it is a fabulous day.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 !!1 -
Hope your first day has gone well KK.....although I am sure you have been great
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Thanks so much @CCW007, @beanielou, @skint_spice, @teapot2, @Humdinger1 , @f0xh0les, @carolbee, @debtfreewannabe321, @Four_Seasons, @maggiem, @greenbee , @Watty1, @Twolabsandacat 😊
Really …? 🤔 I should look into this! And thank you for the good wishes 😊dawnybabes said:
Even if you’ve added through employer you can claim the HR tax element back, employers just claim the standard tax rate backKajiKita said:
Thanks for the hint, but this is the first time I have added anything to a pension that is independent of my employer.dawnybabes said:If you’ve paid any in for the last few years whilst a HR tax payer you can claim it back as well.KK
It’s been an intense day!! Loads of IT issues, but I’ve been round the site and met everyone (and apologised in advance for forgetting most of their names! 😉), got stuck into the first of 40+ COSHH assessments, started to master their online safety database, contacted our plumber to ask him to come into quote for various legionella related works and asked that a horribly neglected water fountain in one building is added to the contract for the water fountains in another building!Chloe seems to have survived being alone all day 😊I’m shattered, but it’s been a good day and I think I should enjoy the job. 😊 The commute was AMAZING 🤩 😉❤️
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.12 -
Sounds like you hit the grounding running on your first day. No less than I'd expect!!!!
Glad Chloe didn't miss you too too much.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇1 -
Sounds good. Especially the commute.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 -
Well done Chloe (and you, of course
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