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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Mr KK has become quite the MSE legend ...there are now dozens of us brandishing our GDH's and Dysons (not!) in a valiant attempt to speed up that defrost ..... he not quite TillyTidy status but keep those diy tips coming ,,,,KajiKita said:
( @LadyWithAPlan, Mr KK is amused that he is becoming known here for this technique for defrosting freezers … 😉😂)
KK
Could be one of his 24 goals...
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
I suspect that if I shared that with Mr KK I would get no response but a direct look with a raised eyebrow …. 😂😂😂😂LadyWithAPlan said:
Mr KK has become quite the MSE legend ...there are now dozens of us brandishing our GDH's and Dysons (not!) in a valiant attempt to speed up that defrost ..... he not quite TillyTidy status but keep those diy tips coming ,,,,KajiKita said:
( @LadyWithAPlan, Mr KK is amused that he is becoming known here for this technique for defrosting freezers … 😉😂)
KK Could be one of his 24 goals...
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
Actually, I shared this with Mr KK and he is now worried that he will be responsible for you electrocuting yourselves! 😂
And then darkly muttered about it taking days if you don’t use a hairdryer …. 😂😉
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
Especially if you share a home with my son who leaves the door open a lot!KajiKita said:Actually, I shared this with Mr KK and he is now worried that he will be responsible for you electrocuting yourselves! 😂
And then darkly muttered about it taking days if you don’t use a hairdryer …. 😂😉
KKMortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
So does Mr KK, in this house …. 🙄😂😂skint_spice said:
Especially if you share a home with my son who leaves the door open a lot!KajiKita said:Actually, I shared this with Mr KK and he is now worried that he will be responsible for you electrocuting yourselves! 😂
And then darkly muttered about it taking days if you don’t use a hairdryer …. 😂😉
KK
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
And Mr Redo (although he argues for wallpaper stripping steamer for freezer defrosting)My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
DS was actually cooking something with the freezer door open because he was going to get something out in ten minutes while the shower was running upstairs to heat up the bathroom before he went in - love him but honestly he drives me mad at times😫😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)7 -
Glad the curtains came up clean after the cat incident.
The new vase and flowers sound lovely. Be kind to yourself. You were ill quite recently.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/252 -
That would drive me nuts too!skint_spice said:DS was actually cooking something with the freezer door open because he was going to get something out in ten minutes while the shower was running upstairs to heat up the bathroom before he went in - love him but honestly he drives me mad at times😫😂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 -
On the other hand I just nipped over to see my folks leaving my dishes in the sink and came back to find them all done so not all bad😂 (I left them as I had procrastinated way too long and another task would have led to being even later).beanielou said:
That would drive me nuts too!skint_spice said:DS was actually cooking something with the freezer door open because he was going to get something out in ten minutes while the shower was running upstairs to heat up the bathroom before he went in - love him but honestly he drives me mad at times😫😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2
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