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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 8,356 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Just making a list for this evening:

    - Water the spring flowering plants I put in last weekend
    - boil three eggs for Mr KK’s and my lunches tomorrow 
    - Change sheets and take washing down to the cellar to put on on Friday morning 
    - Find card, wrap present and pack for postage the book etc for my dad’s birthday next week, so I can post it tomorrow 
    - Doing one of my twice weekly teeth ‘bleachings’
    - Prep breakfast for work on Friday am

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 58 books of target 52 in 2025, as @ 12th October 
    Produce tracker: £426 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,553 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don't think that's too far from MSE-ness at all! Making sure you are getting joy from things definitely counts. Either you want to get your money's worth, or you are enjoying things that are free - MSE either way, and avoids spending on other things to cheer you up! 😀

    It has rather been a rollercoaster of a year, hasn't it?
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,853 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Oh very bloody Buddhist of him, what a disgrace to the zen! Good for you for making a self aware decision to not put your time and energy into a relationship that is minus rewarding. 

    I also think your life aims are absolutely mse. Everyone is ultimately striving to be able to feel they have a secure, peaceful, and enjoyable life and state of wellbeing 
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • beanielou
    beanielou Posts: 96,602 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Very not Buddhist. What a twit. 
    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.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the parish council resignation. 

    Sympathies on all the carp you've dealt with this last year. I think reading back over diaries can be helpful - although I ended up blubbing reading back just over emails from a particular period of my life so yes sometimes it's also read with caution. It can help with perspective though too - as there are definitely times when I've felt personally victimised and later discovered there was a group of us feeling the same way so it was less personal than it felt if that makes sense.

    Eek to the cat bringing mice in and then throwing up. I can't allow my cat a cat flap for that reason and rarely leave a door open. I used to get it to come in a window as it wasn't capable of jumping and bringing something in its teeth in at the same time.... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • beanielou
    beanielou Posts: 96,602 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your weekend. 
    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.
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