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Mortgage free in Forever Home :-)
Comments
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I tried to throw away/compost a brassica plug and a pepper plug at the weekend but just couldn’t so I totally understand the difficulty pulling up strawberry runners. I’ve just pulled a handful off for my breakfast and can never quite get over the taste difference vs the supermarket.I don’t think there is a right approach either, just things to weigh up as best as you can with what you know!Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay
https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest3 -
MissRikkiC said:I tried to throw away/compost a brassica plug and a pepper plug at the weekend but just couldn’t so I totally understand the difficulty pulling up strawberry runners. I’ve just pulled a handful off for my breakfast and can never quite get over the taste difference vs the supermarket.I don’t think there is a right approach either, just things to weigh up as best as you can with what you know!
Thank you for understanding. It is what it is I guess 🤷♀️
OP of £8.98 sent off just now, made up of QM33, TCB and a TT of our joint account 😊
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 = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
Very hectic few days and a late night last night, as had to go out for dinner with the boss two levels above my boss. Good meal but I am so looking forward to going to bed at a sensible time tonight!NSDs are going well after my spend on my mum for her birthday on Sunday.Been looking at used cars of the type we’d like - not to buy atm, but to get a sense of what we’d need in the pot for one. Initially it looked to be about £12K - almost all of my savings 😢😳 When I went up to my shower Mr KK was getting distracted by cute (and expensive! 😂) little sports cars and by the time I reappeared he was looking at Daci@‘s - they look like a good option and are recommended by Mr KK’s best mate who is an ex car industry buff. A lot cheaper too as they are a bit obscure. Not needed atm, but it gives me some confidence that I have enough savings now to renew my vehicle without completely emptying my savings 😊
One other small win. I have an awkward to clean corner in the bathroom that is horribly dusty and ‘fluffy’ (long story, I think it reflects some depression tbh), that I just haven’t been able to face dealing with … It occurred to me the other day that I have a ‘damp cloth’ in my hand twice a day (cotton wool pads) that just go in the bin after use with toner or water on them. I have been using them to wipe up one small section of dust / fluff twice per day, the dusty cotton wool pads then go straight in the bin, and after just a few days I am making real progress on the horrid corner 😊
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 = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
Oob, that's an excellent idea! I often look in despair at our pipes (but don't bother doing anything about it 🙄) maybe this is the answer 😂3
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Cheery_Daff said:Oob, that's an excellent idea! I often look in despair at our pipes (but don't bother doing anything about it 🙄) maybe this is the answer 😂
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 = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
I do it with baby wipes (post make-up removal) and the top of my toilet cistern, which is the most unbelievable dust trap!
Would rather it just didn't get dusty though 🙄!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Here’s a thing ….
Been rung today by a recruiter about a directorship. It’s c. £15 to £20K more than I’m on atm but it’s not local. That would mean nights away and travel. Not sure if I could face that, but the extra ££ (c. £1K pcm after tax) would really help knock a hole in our mortgage….
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 = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
Sounds like a very nice payrise Kajikita. Would the nights away and travel be fully funded? How much disruption would it cause to your current life, and would you just be too exhausted at the weekends to enjoy them? Just playing devil's advocate. Quite a few years ago I took a couple of steps up and I think I spent all the extra wages on ready meals as I was never home enough to go shopping or cook. I was also just exhausted, so my enjoyment in life wasn't just zero it was -10. Mind you that was a job from hell, and there was a lot going on at home, including having to do school runs etc. Do think about it though."Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3 -
I'm another playing devils advocate.
With the possible new job would you be able to do a compacted week so you were away for less nights?
OH worked a compacted week full time, he was away from home 3 days and 2 nights it worked well for us for over a decade.
Also consider being a part time lodger if you need to be in the same area regularly.
Whatever you decide it is a compliment to have been approached 👏
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family3 -
How nice to have been approached, well done! 😊😊 Yes, I suppose it depends how much of that £1k would go on travel, hotels, and buying stuff to cope with the extra stress - maybe do a rough calculation and see if the extra £700, or £500, or £300 would be enough of an incentive...3
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