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Mortgage free in Forever Home :-)
Comments
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Enjoy your day.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.4 -
I've seen you previously mention Monmouth as being near you. I've just seen awful photographs showing the flooding in the town from yesterday's rain. I've never seen it that bad.Mortgage Free November 2018
Early Retired June 20204 -
It’s been truly horrendous. I worked there for 23 years and never saw it that bad. Apparently it’s not been this bad since the 1970s. The whole of the bottom of town is flooded. 😢Staffordia said:I've seen you previously mention Monmouth as being near you. I've just seen awful photographs showing the flooding in the town from yesterday's rain. I've never seen it that bad.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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 -
@KajiKita sorry to hear about the appalling floods. Re your mum, judging by my mum, some people find it impossible to express the positive. What you describe rang so many bells. Weirdly, things only improved for me when I realised that she wasn't going to change. Sorry, you must have grappled with this down the years and have reached- justifiably - a different conclusion. You dont have to justify anything to me but just wanted to say that I, together with your posse of devoted admirers- are here. Love Humdinger xx4
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‘Unable to express the positive’. Yes that sums it up very well.Humdinger1 said:@KajiKita sorry to hear about the appalling floods. Re your mum, judging by my mum, some people find it impossible to express the positive. What you describe rang so many bells. Weirdly, things only improved for me when I realised that she wasn't going to change. Sorry, you must have grappled with this down the years and have reached- justifiably - a different conclusion. You dont have to justify anything to me but just wanted to say that I, together with your posse of devoted admirers- are here. Love Humdinger xxAnd I have long since understood that she won’t change either.It is what it is … 🤷♀️ I wouldn’t change it, even now, as I wouldn’t be who I am now, good and not so good all mixed in, without it … 😉
I did get down to the library to get more books and picked up two passport renewal forms for myself and Mr KK 😊
Ran round Morreesons to buy sugar for Mr KK (quite a lot of running around, as the sugar was at the far end of the shop and I was nearly at the till when I realised that the first bag I’d picked up was split! 😳🙄😂).
Had a good lunch with my friend. We both got to have a laugh and I came home with a tiny, beautiful white flowered African violet ❤️ Also some stripey tulips as a Xmas present for MiL.
I brought cake home with me, so after an hour or so drafting a risk register for the PC and sending it out to all councillors for comment, Mr KK and I had a brew and a slice each 😊
Now time to throw something together for dinner, to be followed by a quiet evening 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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 -
Glad you had a good time with your friend. Sometimes just getting together with someone who you know you can have a good laugh with and just gets who you are is the best therapy.🥂 cheers to good friends
love 🐞
Grow your own: £14.663 -
I'm part way through my catch up but:
Happy 6th house anniversary.
Belated happy birthday.
Loved the munch on the PC comment. I think you are being too kind if you think your experience is rare...
Can I put a delayed order in for the Mr KK clone? Lots of diy and garden work here, flowers also welcome. Hoping my white and black rescue cat may earn me a discount.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 14/11/252 -
Good friends are priceless 🤗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.3 -
Thanks @ladybird1106 and @beanielou 😊
@savingholmes, Mr KK is a bit out of action atm due to sciatica, but I will add you to the forward orders list …. 😉 And yes, all rescue cats count for discounts 😊😉
Wrangled Mr KK’s washing for him as bending down to the machine was beyond him this morning. He is hoping to cook dinner for me tonight 🤞
Got out into the garden and:
- potted up the star like amaryllis I bought yesterday ❤️
- watered the greenhouse and then left the door open a while to let it air before closing it up again
- cut the last of the flowers from the cut flower patch - no more until, spring now …
- chopped back all dahlias and cosmos right cross the garden - they were coming to an end anyway and the cold weather this week coming, will clobber them
- lifted the dahlias, with labels (where still present), washed them off and moved them into the potting shed, stacked upside down to drain / dry out a bit.
- decanted the dead summer pots and the begonia pots. Two of my begonias were completely munched by vine weevil 😢 The other two are now huge and I will need bigger pots next summer! 😳😂
- washed off all the pots and stacked in the potting shed ready for tulips 💐 😊
Felt a bit tired! 😉😂
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 = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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.8 -
Oof, a lot of what you said about your mum rings very true for me - I'm sure a lot of my decision to be childfree was from the insistence that we were a burden and a trial that had been laid upon her as her duty, rather than a joy, along with the self awareness that my brain is very similar to her so the things she struggled with and found challenging would be difficult for me, too.
Sounds like a productive day! I hope that this rain stops soon, and it can all soak into the ground a bit.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 20255
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