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Mortgage free in Forever Home :-)
Comments
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As at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.3 -
Anybody else get a bit anxious about the Forums not working last night and this morning ...? It made me realise how much you all mean to me!
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.10 -
Me !! I did. I found the same.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 -
As at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.2 -
I get it too.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.2 -
Thank you xbeanielou said:I get it too.
I have just finished a book I started last night called ‘October, October’. Truly lovely, well worth a read. ❤️KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.3 -
I read that recently having found it in a pile on the street and didn't think I'd take to it much what with it being YA fiction but it was beautiful. Glad you enjoyed it too 🙂3
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Absolutely shattered this evening. Had a whole day of an external resource acting as an internal auditor across six different audits, plus a run through of our compliance with EN 1090 - my brain is overflowing! It’s been a productive day though and it was interesting to me to understand how much I have learned about the business already 😊
Two lots of NW £100 turned up today. I have shuffled one off to savings to keep for a meal out for Mr KK and myself and the other has become an OP with a further 7p TT.
Mr KK is turning the house upside down like a happy whirlwind, as he is packing for his 10 day trip to France with his best mate 😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Do you have separate accounts with NW? We have a joint account and one linked savings and have only received one x £100, although we both got separate texts.KajiKita said:Absolutely shattered this evening. Had a whole day of an external resource acting as an internal auditor across six different audits, plus a run through of our compliance with EN 1090 - my brain is overflowing! It’s been a productive day though and it was interesting to me to understand how much I have learned about the business already 😊Two lots of NW £100 turned up today. I have shuffled one off to savings to keep for a meal out for Mr KK and myself and the other has become an OP with a further 7p TT.
Mr KK is turning the house upside down like a happy whirlwind, as he is packing for his 10 day trip to France with his best mate 😉
KK1 -
Great news re the NW and the rice a la KK dish sounds lovely
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1
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