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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,822 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    The sage looks very cool like that. We’ve had some broad beans, pak choi and spring onions this weekend too, as well as soft fruits. 

    We had big plans for the garden today but the most I’ve managed is to stake my tomatoes and purchase more compost and feed. Everything needs a good feed and I have so much to plant out into pots however running out of patio! 

    Your ‘done’ list is impressive, well done to you. 
    Thanks MissRC 😊 I didn’t think I would get anything like that much done. I sat down a lot in front of a fan,  in between short bursts of doing / pottering. I think because we started the day relatively early for a Sunday for us, that helped 😊

    KK
    As 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. 
  • KajiKita
    KajiKita Posts: 7,822 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Not a lot happening here apart from the ‘work’ thing which has HUGE volumes of politicking and melodrama amongst the management team atm (not involving me directly thankfully but not good to be around and I am concerned for one of my colleagues who I am fairly convinced is being bullied and sadly will end up leaving as a result - sigh ….) which is fairly boring ….

    Trying to get back into reading books again. I’ve been reading a big backlog of magazines in the hotter weather (shorter attention span) so have neglected my books target. Back on it now with a book that’s a bit too disturbative to read in bed (I am very prone to nightmares if I read anything vivid late at night - N3w Sci3ntist is a much calmer bet! 😂) but am on page 127 of a new novel after a couple of days, which isn’t bad going. 

    First tomato from the greenhouse should be ready this evening …. ❤️

    The hole in the lounge floor now has a sturdy walled void to build the fireplace on and Mr KK has done the shuttering to fill in the top with concrete to make it level. La Belle Floof is most disgruntled as she can no longer collect cobwebs nosing around under the lounge floor! 😂

    Taken the photos for my Mum’s sort-of-birthday present update on what we are doing and emailed them to myself to shrink them. They need plonking into a PPoint and annotating. If I get her brooches wrapped and a card written this week, the whole caboodle should be ready for posting this coming weekend. Must remember to take a picture of the new stone house sign that she bought me for my birthday last year 😊

    On 20 NSDs this month and should be good for a few more. Proper proud of myself for this as I am so instinctively a spender! I can really see the difference in terms of the numbers of transactions that need recording and in my bank balances etc. Right, must away to pretend to be a grown up …. 😉

    KK
    As 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. 
  • KajiKita
    KajiKita Posts: 7,822 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh, made some progress on the table in the kitchen (found somewhere to store the reusable food/freezer bags, taken away the bags for life accumulating there and relocated the glass base with clip lid food boxes that I only use fur work lunches in colder months) but then stalled. Next challenge is to find somewhere to store all the multiple spare nut butters … Probably the cellar shelves if I can make room down there ….

    KK
    As 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. 
  • KajiKita
    KajiKita Posts: 7,822 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    The recruiter has been in touch about the directorship again - he’d lost my reply in his spam folder … 😂

    He liked the sound of me - he said I sounded like someone credible that he could put in front of the COO. 

    I would have 7 senior quality people across 7 manufacturing sites reporting to me, be taking over from someone who’s retiring after 20 years in the role. They have and are acquiring more sites so quite a bit would be around defining what good looks like and how to get all sites to a similar level. There would also be a CI element after time. 

    I have lots of questions around the financial security of the organisation / individual sites! 😉😂

    It sounds interesting so I shall send them an updated CV. 😊

    KK
    As 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. 
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I think we must work in similar type corporate companies as so many of the things you’ve said in the past have made me think that we could even work for the same organisation. I don’t think that’s the case but I do think their structures are similar. 

    This sounds really promising, I’m glad he’s come back to you however it’s easy to forget the reservations you had when everything is up sold by a recruiter, I’ve been guilty of doing the same. 

    I found the mindset change of always been ready to progress throughout my career vs putting other ‘softer’ benefits first really challenging after I had children. I still struggle now and have to ground myself. 

    Whatever happens, you know what is important to you and hopefully any prospective employer would respect that too. 
    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#latest
  • KajiKita
    KajiKita Posts: 7,822 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I think we must work in similar type corporate companies as so many of the things you’ve said in the past have made me think that we could even work for the same organisation. I don’t think that’s the case but I do think their structures are similar. 

    This sounds really promising, I’m glad he’s come back to you however it’s easy to forget the reservations you had when everything is up sold by a recruiter, I’ve been guilty of doing the same. 

    I found the mindset change of always been ready to progress throughout my career vs putting other ‘softer’ benefits first really challenging after I had children. I still struggle now and have to ground myself. 

    Whatever happens, you know what is important to you and hopefully any prospective employer would respect that too. 
    I just wanted to let you know that I have been thinking about your comments all this week, throwing the scenarios around in my mind. Totally not sure 😉😊

    It will become clear I’m sure 😊

    KK
    As 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. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,484 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Posh garden centre sounds like a good idea after a run of workdays like that! Hope you have a restful weekend.
    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 2025
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