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Mortgage free in Forever Home :-)

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Comments

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,484 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 11 July 2023 at 9:26PM
    A good well fitting bra and not being in pain or uncomfortable has to be the foundation of glamour though, right? I know it changed my world when I calculated my right size and found a shop that carried enough band and cup sizes to not just cram me into something that didn't fit to get a sale....!
    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
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I love to bop about in the kitchen, really winds my cat up though😂
    😂 I can just ‘see’ this 😉 😊

    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: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    A good well fitting bra and not being in pain or uncomfortable has to be the foundation of glamour though, right? I know it changed my world when I calculated my right size and found a shop that carried enough band and cup sizes to not just cram me into something that didn't fit to get a sale....!
    Not being in pain is a fundamental necessity! I can’t tolerate it. I have a favourite bra shop (looks like a little old ladies shop from the outside as they stock a lot of cruise-wear! 😂) who are good at fitting and carry brands that I like and know work with my rib cage. 
    It feels indulgent and a bit frivolous but I have held out for some months and it needs doing now. But I do need to stop growing! 😳 Not sure if it’s weight gain (shouldn’t be - the scales are moving up and down a bit but I haven’t actually gained much in the last year or so) or the HRT but I used to be small to midsized I’m now developing a ‘shelf’! (Mr KK was a bit non-plussed when it first started! 😂😂😂😂).

    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. 
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
    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 family 
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
    Thank you for the tip. Now just have to remember to ring her this evening! 😊

    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. 
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    KajiKita said:
    Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
    Thank you for the tip. Now just have to remember to ring her this evening! 😊

    KK
    As I have a mind like a sieve I would need to set an alarm on my phone labelled "Ring Mum, Birthday". One thing I have found since I started setting alarms for a lot of things is I am more productive as my brain is able to focus on the task at hand instead of being distracted by the things I need to remember. I'm also a great one for lists.
    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 family 
  • skint_spice
    skint_spice Posts: 13,438 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
    Thank you for the tip. Now just have to remember to ring her this evening! 😊

    KK
    As I have a mind like a sieve I would need to set an alarm on my phone labelled "Ring Mum, Birthday". One thing I have found since I started setting alarms for a lot of things is I am more productive as my brain is able to focus on the task at hand instead of being distracted by the things I need to remember. I'm also a great one for lists.
    I do this - yesterday had a phone vet alarm and today has a pick up meds from vet alarm due later😂
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    KajiKita said:
    Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
    Thank you for the tip. Now just have to remember to ring her this evening! 😊

    KK
    As I have a mind like a sieve I would need to set an alarm on my phone labelled "Ring Mum, Birthday". One thing I have found since I started setting alarms for a lot of things is I am more productive as my brain is able to focus on the task at hand instead of being distracted by the things I need to remember. I'm also a great one for lists.
    I do this - yesterday had a phone vet alarm and today has a pick up meds from vet alarm due later😂
    Glad to hear I'm not alone 😊
    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 family 
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