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Mortgage free in Forever Home :-)
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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: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +13 -
😂 I can just ‘see’ this 😉 😊skint_spice said:I love to bop about in the kitchen, really winds my cat up though😂
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
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.Merlin's_Beard said: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....!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! 😂😂😂😂).
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Just done it for 8am tomorrow ❤️ My halo shineth… 😉😇Baileys_Babe said:Regarding the birthday email to your Mum, in my emil provider (Gmail) I am able to write an email and the schedule the send time and date, without me needing to do anything else. Does your provider offer anything similar?
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
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 family3 -
Thank you for the tip. Now just have to remember to ring her this evening! 😊Baileys_Babe said:Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
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.KajiKita said:
Thank you for the tip. Now just have to remember to ring her this evening! 😊Baileys_Babe said:Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
KKFashion 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 family4 -
I do this - yesterday had a phone vet alarm and today has a pick up meds from vet alarm due later😂Baileys_Babe said:
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.KajiKita said:
Thank you for the tip. Now just have to remember to ring her this evening! 😊Baileys_Babe said:Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
KKMortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug £20,
Summer challenge £140/3004 -
Glad to hear I'm not alone 😊skint_spice said:
I do this - yesterday had a phone vet alarm and today has a pick up meds from vet alarm due later😂Baileys_Babe said:
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.KajiKita said:
Thank you for the tip. Now just have to remember to ring her this evening! 😊Baileys_Babe said:Your Mum will be pleased you thought of her and your shining halo will brighten your day 😇
KKFashion 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 family4 -
Me too 🤣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!!!5
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