📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage free in Forever Home :-)

1105106108110111639

Comments

  • beanielou
    beanielou Posts: 95,692 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have to sat an alarm for charging my watch!
    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.
  • KajiKita
    KajiKita Posts: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I tend to go old school … I have “M!” Written on the back of my hand …. 😂

    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. 
  • redofromstart
    redofromstart Posts: 5,864 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Poor Mr KK, I did laugh but can imagine how he feels. 
  • KajiKita
    KajiKita Posts: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Poor Mr KK, I did laugh but can imagine how he feels. 
    I am going to help clean out his van today - wash the seat covers, fe breeze it thoroughly, clean the inside of the windows etc. He’s taking out patio doors and rebuilding a wall behind so won’t have time to do himself! 

    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: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Heading off down to Monmouth for a bra fitting this morning (getting uncomfortable again - HRT has some weird effects!), a few bits of other shopping and then home for cleaning, tidying and cooking - trying to do more cooking at the weekends so will eat less UPF during the week. Hoping to get my head around fibre BB options this weekend too - seem to be having a mental block on that atm. 

    In the meantime, as described above, Mr KK will be taking the patio doors out and filling in the gap to make a wall, in this weather ….! 😳 But he is fixed on it …. I may be living in a sou’wester by the end of the day! 😉

    Tip run this afternoon which needs to be pulled together in my car followed by a Toscos delivery this afternoon.

    I need to make a hard headed decision this weekend about a knitting project that I have stalled on - do I try and fix it it or do I give up and restart it ….

    If I get chance in between the showers, I have plants to get in the ground in the sit spot border, lots of tidying to do and I will pick up two bags of bark to mulch the sit spot border with on the way back from the tip run. Also, have the van cleaning to do to help Mr KK - it was always fairly festering (most definitely a ‘works van’ so anything I do on it will help! 😂)

    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. 
  • themadvix
    themadvix Posts: 8,791 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I know all about sound proofing not being fireproof. Driving along one day I noticed smoke coming from under the bonnet (a very small amount), so I stopped (at services) and discovered the sound proofing in the engine bay was smouldering. Had to call fire brigade too, as water wouldn’t put it out. Fireman’s verdict was it was a cigarette butt that had flicked up from the road surface. Not nice, Mr KK has my sympathy! 
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • South_coast
    South_coast Posts: 5,898 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Every time you write "sit spot" my brain reads it as "spit spot" and I imagine you as a Mary Poppins figure 😀!
    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!!!
  • KajiKita
    KajiKita Posts: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    themadvix said:
    I know all about sound proofing not being fireproof. Driving along one day I noticed smoke coming from under the bonnet (a very small amount), so I stopped (at services) and discovered the sound proofing in the engine bay was smouldering. Had to call fire brigade too, as water wouldn’t put it out. Fireman’s verdict was it was a cigarette butt that had flicked up from the road surface. Not nice, Mr KK has my sympathy! 
    Thank you - that has made him feel a bit better 😊

    Every time you write "sit spot" my brain reads it as "spit spot" and I imagine you as a Mary Poppins figure 😀!
    😂😂😂😂 It could save watering it … 🤔😂

    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: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Steady but busy day, got lots done. Went down to the market town over the border from us in Wales and got two new bras in the right colour, no luck on thongs though sadly. Tried on a top in the sale but don’t like the fit, so left it - go me! 😉 On the way down there refuelled my car and picked up two slabs of baby beers for Mr KK from Lidull - he was very pleased as his baby beers from his France trip are nearly gone (I picked up some good wife points there! 😉) Did a quick run around waiting-for-rose and picked up quite a bit of yellow stickered fruit (pears, passion fruit and plums) as I am trying to eat less UPF. 

    Headed back up on to our plateau via my local chemist to try and get my HRT - couldn’t get all of it but have half of it and the next half should be in next week. I asked them if I could divert these prescriptions to them permanently as farmacy2ewe don’t seem to ever have it in stock - they were happy to do that. Popped in the charity shop and found 4 paperbacks for 60p each 😊👍 I will either donate them back once I have read them or put them in the canteen windowsill ‘library’ in work. 

    Got into scruffs and loaded up the car for the tip run - this cleared a lot of packing boxes from the conservatory 👏. Cleaned the downstairs loo and bathroom including bleach spray (ugh) on the mouldy black bit behind the tap on the bath. Lunch, tip run with a brief interlude in the garden centre for two bags of bark and two more plants for the SIT 😉 spot border - this spend came out of my ‘pocket money’. Failed to do any gardening due to the intense instability of the weather today. Dusted my bedroom. Changed and cleaned the water filter jug (finally used the last of my legacy stock of plastic filters, so now need to order some more of the refillable kit ones), scrubbed the kitchen sink and taps. Helped Mr KK in various ways through the day with his wall building, now that the patio doors in the lounge have been removed. Sent another £5.18 off to OP from QM33 (been a reasonable week this week). Sent two wodges of cash over to Mr KK to refund various spends he’s made for the lounge project - hopefully no more spends on this before next pay day - they have come out of my DIY budget so I am feeling okay about it. 

    In the midst of all of the above, did two loads of washing and dried it in the conservatory, put away Tescos shop 😊

    About to UPF to the max with a fish and chip supper! 😂😂😉

    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. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.