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Mortgage free in Forever Home :-)

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Comments

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,509 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sometimes they just know how to make a bad day just that little bit more irritating!

    What a lot of things to handle in one day, though.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,599 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Hope you've had a significantly better day today. Or are doing well with your spontaneous house move knowing there's a m-o-u-s-e about 😁
    https://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/do9nSyy8u4nikx6r6
  • savingholmes
    savingholmes Posts: 29,046 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the difficult day. 

    Well done on the trip to your parents too.

    Love the flowers and the vase.
    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 29/7/25
  • KajiKita
    KajiKita Posts: 8,049 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited Today at 8:25PM
    Sometimes they just know how to make a bad day just that little bit more irritating!

    What a lot of things to handle in one day, though.
    Hope you've had a significantly better day today. Or are doing well with your spontaneous house move knowing there's a m-o-u-s-e about 😁
    It was a bit extreme … Today has been better though 😊

    Sorry about the difficult day. 

    Well done on the trip to your parents too.

    Love the flowers and the vase.
    Thank you 😊

    Finished work on time and headed into town to buy various health food items, a card for my boss’s upcoming nuptials and investigated the possibility of t1impsons repairing two silver chains for me - I need catches putting back on and them being soldered shut as when they are just crimped they catch my hair, pull open and I losenth3 catch or at worst the necklace! 😳
    T1mpsons wanted to charge me £29 for a new catch (that’s well on the way to a new chain anyway!) and then wouldn’t solder them … No good. So … I have ordered some new catches from 3tsy and Mr KK is going to trying soldering them for me … 🤞

    Got home, made some lunch and immediately the chimney sweep turned up. Fortunately we know him and he knows our house so he just carried on 😊 Got the invoice / HETA certificate and BACs paid him (£50) and then paid the builders merchant (£330). 

    Grabbed the water filter jug and gave it a very thorough scrub (it had actually gone a bit green! 😳 I think because of all the hot weather) and recorded when it needs doing next. 
    Looked at the calendar where I was recording the next filter change and realised that our calendar is always a choice of my kind of images … Thought it would be nice if I could find one that was more Mr KK’s interests but on searching I can’t find the right kind of thing … got me thinking and I have a mad plan to create a calendar from images of his vehicles and collections… I see V1staprint does things like this with cashback and I have time to get it organised before Christmas… 🤔😊❤️

    Whilst waiting for all the processes of the wetting of the filter, I used the time to tidy, clean and simplify one of the muddliest parts of the kitchen. That’s been ‘looking at me’ for a while.

    Did some bin emptying and then headed outside to get washing on the line. It didn’t come in perfectly dry but it was worth doing and is now on the heated airer without any need for the tumble! 👏
    Also harvested 1.6Kg of mid sized tomatoes and 280g of cherry tomatoes. The little ones I will have as snacks next week with my lunches and the mid sized ones I will roast down with sage (also from the garden), red onion and olive oil into tomato soup tomorrow. Rather to my surprise Mr KK remembers me making this before and likes it! 😊 

    Mr KK came home and strimmed down the ‘meadow’ (it’s not that big an area 😉) and I raked it up. There is no way I could have done this a couple of years ago, so even though my weight is increasing, I am getting fitter / healthier 😊

    Mr KK has ordered £22 worth of firelighters so I will offset that against the chimney sweep and the builders merchant bill will have to come out of house savings, which will leave it pretty much empty. 

    Tosco shop done for tomorrow - only £97, very good for us 😊

    A good day overall 😊

    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 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. 
  • savingholmes
    savingholmes Posts: 29,046 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If you created a specialist niche calendar could you also sell it online as a niche product using print on demand.
    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 29/7/25
  • KajiKita
    KajiKita Posts: 8,049 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    If you created a specialist niche calendar could you also sell it online as a niche product using print on demand.
    It would be very niche, as in Mr KK niche 😉

    (And for me it would feel a bit weird selling images of Mr KK’s possessions. Dunno why but it would.)

    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 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. 
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