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Mortgage free in Forever Home :-)
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Thanks @PennysIntoPounds, @beanielou, @Brewerspride, @Brie, @Watty1 😊
We are safely in the land of north after an easy journey and although the shower is useless, the beds are comfortable. I suspect we will both sleep well tonight! Made our way first to our favourite, mad, muddly second hand bookshop where we both found lovely books 😊😉 Had a hearty lunch and then headed back into the city to buy and armful of flowers for my mum, which were appreciated 😊 There have been a detour to a militaria shop, around the corner from which there may have been a craft shop … ahem … 😉
Had dinner with my parents this evening which went really well. We found enough to talk about and there were no awkward moments. Picking my dad up at about 9am tomorrow to go on the steam train and paddle steamer trips! 😊 The forecast is really good for tomorrow so hopefully that will be fun 😊
Tired now, so signing out x
KKAs 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 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.5 -
That's brilliant. Hope you all have a lovely day tomorrowhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 47
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
Enjoy your day tomorrow
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 -
So far so good. Hopefully you all have fun tomorrowMade 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 -
So glad the trip is going better than expected. Best wishes for tomorrow.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/250
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