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Follow the Yellow Brick Road 2023
Comments
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I think when you are busy at work all week, and then have such a busy home life its difficult to fit it all in isn't it. And sometimes you just want time away from people. But it is good to have something outside of home that isn't work - its just fitting it in that's the problemSandy, you are making me realise that I have no social bits at all …. 🤔😳
KK
"Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
Thanks @South_coast its a good suggestion, and we have done that previously, but these days I would need more of a personal assistant (e.g. to run errands, book stuff, buy stuff etc.). I am getting towards completing my to do list, and I'll try and tick a few more things off and think about it again. I don't really want to reduce my hours because of the effect on my pension etc. but at the moment I'm wondering what other way to tip the balance."Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3 -
If you get the right person - your cleaner may be willing to do some of that other stuff. Mine does for me... She doesn't seem to care as long as I pay her. She is younger than all my previous cleaners though and I think that makes a difference. She quite enjoys having a break from cleaning.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 10/10/252 -
Thanks @savingholmes but I'm going to aim to have less stuff to do and less stuff to tidy I think I've always thought my idea of hell would be to have a massive mansion which meant I had to organise a team of staff to keep it up. You can tell I very much like my own space Compact and bijoux but private
I'm lucky that we have moved onto the stage where we are downsizing everything. I'm not sure who the poster was who made the comment about buying better quality once these days but I'm with you on that. I've made a purchase this week, one item replacing two cheaper items. Love how the drawers almost breathe a sigh of relief as more space is created."Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
Sorted through some of the paperwork that has been gathering on the chest of drawers. Recycled some, put some in the filing drawer and I found/paid a bill. Sorted the pan cupboard out, and really need to go through the cupboard on the stair top where the clothes due for Vinted are stored. Few items to give away as well, so those need to go onto the relevant website, and I'll create a charity shop bag too. Its good when all the decluttering is coming to fruition but you lose your enthusiasm for it, so its good to have a bit of motivation from other people's threads to keep it going. The 'To Do' list is still long but I am definitely getting there."Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
Paperwork is on my list to ‘do’ - think I will have a go at that today when the sun drives me in. Thanks for the reminder 😊
Sounds like you are doing well on the decluttering 👍🎊🎉 Having now read your signature properly I am impressed by the 11 months term reduction on that kind of balance! 😊
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 64 books of target 52 in 2025, as @ 11th 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.2 -
Thank you Kajikita, the paper pile keeps multiplying, but it won't beat me And thanks, I'm pleased to be able to make some good overpayments now. Although this month not so because of all the garden spends - but they were worth it. At the moment I'll be working into my 70s to crack the mortgage, but we have got some back up plans e.g. pension pots and the like. I'm trying not to get too worried about the remortgage rates in a couple of years, and I have to remember that getting back on the property ladder was the best thing we did. It will be great when its paid off but I want to enjoy life along the way too. "Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga5 -
Working into our 70’s to pay off the mortgage….
Yup recognise this. Mr KK is set to be 75 😳 by the time we have paid our mortgage off (on the original trajectory). That’s not feasible - he won’t physically be able to work that long! But as you say, it’s so worth it, we are so happy here ❤️😊
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 64 books of target 52 in 2025, as @ 11th 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 -
73-73.5 due here to be mortgage free. I and you'll beat it before then. As Sandy says there are pensions options if needed too.
Well done on the continued decluttering. As you can tell you've helped inspire me to do some more.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 -
Sounds like we are all in the same club then @savingholmes and @KajiKita so won't be lonely on our journey Will be great to have this support.
"Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4
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