We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Mortgage free in Forever Home :-)

1674675677679680734

Comments

  • KajiKita
    KajiKita Posts: 9,024 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 15.12.25:
    - 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,949 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: 5,459 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 
  • beanielou
    beanielou Posts: 97,493 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: 29,129 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 £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • beanielou
    beanielou Posts: 97,493 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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.