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Mortgage free in Forever Home :-)
Comments
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Done! Phew …
The outer purple edge is a bit wonky … but hey, my first attempt at that pattern (and now, looking at the photo I can see my mid pink layer is crocheted into the wrong section … 🙄🤷♀️😉) but at least they are all done. The colours are not my choice! 😂😉 My friend chose the colours and she likes really strong contrasts.
Maybe I will redo them for her at some point … 🤷♀️😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
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.12 -
No need to redo @KajiKita! They have a bohemian artisan vibe. Love Humdinger xx3
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😂😂😊 Very good … 😉Humdinger1 said:No need to redo @KajiKita! They have a bohemian artisan vibe. Love Humdinger xx
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
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.5 -
Please don't re-do them. I loved them. I too am critical of my own work, but I don't think others really ever are.Made 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 !!4 -
Oh they are wrapped in turquoise tissue and tucked in my handbag now! 😉Watty1 said:Please don't re-do them. I loved them. I too am critical of my own work, but I don't think others really ever are.
Lets see what my friend makes of them … she often quite likes quirky! 😉😂
I have hurtled onto the next ‘urgent’ thing, which is getting clearing / cleaning / mulching ground to get some broad beans in …
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
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.4 -
Come in from ground clearing as I need to cool down and make myself respectable for going out to lunch … 😊
Post has arrived including the bank statement for the joint house account. I always review this to see the minimum balance it has dropped to before the next SO goes in - last month it was £274 which is more than enough buffer (I have slightly inflated the amount we both put in each month, after discussing with Mr KK so we are supposed,to have some slack in this account - it’s the only way I can extract anything from Mr KK towards savings etc. … 😉 He knows this and agrees with this approach).So, £188 has been shuffled off into the house EF (taking it pennies over the target for this EF pot of £1000 😊) and £12 has become an OP along with a 34p TT 😊🥳🎊🎉
I think there may, possibly, be an updated V5 there for Mr KK as well, which may, possibly, allow the sale of his historic military vehicle … 🤞🤞🤞 (he’s been stalled on this for months due to the engine number needing to be updated).Right! Time for a quick wash, getting changed and drawing my face on! 😉
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
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.6 -
Good luck with the potential vehicle sale.
The crochet squares are lovely.
You always achieve so much. Give yourself more credit. Glad you made some time to relax - balanced with nurturing the creative sides of you.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 10/10/253 -
Drawing your face on 🤣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 -
Thanks SH, maybe, maybe not … 😉🤷♀️ I always have bigger ambitions than I ever get close to 😉savingholmes said:Good luck with the potential vehicle sale.
The crochet squares are lovely.
You always achieve so much. Give yourself more credit. Glad you made some time to relax - balanced with nurturing the creative sides of you.
Yeh, I know, I’ve been saying that for years … But I’m so pale of feature that it really does seem like that’s what I’m doing! 😊🤔😂beanielou said:Drawing your face on 🤣
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
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.3 -
It is better than having to be 'colouring in' your face !4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******3
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