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Mortgage free in Forever Home :-)

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  • Brie
    Brie Posts: 14,915 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    @greenbee
    you might want to ask some questions over on the pension board.  there's an IFA that lives over that way and some others who know bits (I lurk too as a former scheme administrator).   But first thing I tell anyone is to drop it all in a spreadsheet complete with contact details & account numbers for everything.  Makes life so much easier.  

    Thanks for the book title KK.  And get Mr KK to check his pension forecast and then see if he can plug any holes to bulk it up for retirement time.  
    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
    ⭐️🏅😇🏅
  • KajiKita
    KajiKita Posts: 7,883 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Brie said:
    @greenbee
    you might want to ask some questions over on the pension board.  there's an IFA that lives over that way and some others who know bits (I lurk too as a former scheme administrator).   But first thing I tell anyone is to drop it all in a spreadsheet complete with contact details & account numbers for everything.  Makes life so much easier.  

    Thanks for the book title KK.  And get Mr KK to check his pension forecast and then see if he can plug any holes to bulk it up for retirement time.  
    Thats a good idea Brie, I’ve started lusting them but not with critical details. 

    Zero chance of Mr KK bulking up his pension … honestly. 

    KK
    As 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 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £339 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. 
  • edinburgher
    edinburgher Posts: 13,922 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I just leave the heads on the trout when I BBQ them 🤤
  • KajiKita
    KajiKita Posts: 7,883 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I just leave the heads on the trout when I BBQ them 🤤
    I’m vegetarian. I can’t even cook a chop these days - far too visceral for me! 😉😊 And always, the eye of the trout seems to look across the table at me after it’s been cooked … <shudder> Hence why I get their heads removed 😊

    KK 
    As 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 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £339 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. 
  • edinburgher
    edinburgher Posts: 13,922 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I know - twas definitely a nice thing to do for a vegetarian ❤️
  • KajiKita
    KajiKita Posts: 7,883 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 23 August at 7:40PM
    Been a good afternoon here, got quite a few garden jobs done that have been looking at me for a while.

    - Cut the dead branches and twigs out of the weeding cake hydrangea. I think it heard me talking about chopping it down - somehow it’s put on new leaves and is flowering again!! 😳

    - Cleared all the cut edges of the beds and cut some dead stuff back in the sit spot border. it’s all ready to mow tomorrow. 

    - Dug out a goat’s willow and a hazel right down to the root in the tiny border under the conservatory. That’s a job that’s been needing doing for a long time.

    - Pruned the tree fuchsia and the tree peony so you can actually use the path through the sit spot border. 

    - Cut back the contorted hazel - it’s expanding and dropping like it does every summer and covering the back of the sit spot border …
    That tree like all hazels round here is absolutely stuffed full with hazel nuts so I recovered the ones from the bits I cut off. We’ll try some of those tomorrow. 😊

    - Dead headed the cut flower patch, cut some fresh flowers and put them on the dining room table (without Mr KK’s model box and the snowman - sorry @edinburgher 😉)

    - We had a brew accompanied by a scone each, dressed with clotted cream and plum jam the fruit of which was still on our trees a week or so ago 😊

    - TURNED OFF THE HOSE!! 😂😂😂😂🙄😊 I hopefully will have a quiet night tonight … 🤞😊



    KK


    As 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 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £339 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. 
  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Scones looking lovely. 
    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.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,472 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Scones look good!
    And the flowers are beautiful ❤️ 
    Also I left my hose on too and it exploded everywhere 🫣. Woke up thinking it had been raining as it was all puddling up outside the door 🥲😂.
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
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