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Mortgage free in Forever Home :-)
Comments
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Well done on tackling the UPF. It's only when you start thinking about it that you realise you much you're consuming, but eventually things you always thought would be a step too far become the norm (I even make my own baked beans now, which I always thought would be ridiculous). I must admit to being a dreadful "checkout snob" when I see what some other people are buying 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!!!2 -
South_coast said:Well done on tackling the UPF. It's only when you start thinking about it that you realise you much you're consuming, but eventually things you always thought would be a step too far become the norm (I even make my own baked beans now, which I always thought would be ridiculous). I must admit to being a dreadful "checkout snob" when I see what some other people are buying though 🤣!
But I will make proper biscuits tomorrow (made them before so I know they are nice) and I have an idea for a riff on a batch that my dad used to make with chicken 😊
I am plotting and planning how to adapt what I eat so it’s HM rather than shop bought - so how to do soups, eating more ‘raw’ frozen veg and fruit as sides or actually raw. It is taking quite a lot of thought ….
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.3 -
KajiKita said:...... got two new bras in the right colour, no luck on thongs though sadly.
Lol, I'm an M&S knicker / granny knicker person these days. Unless you were talking about the Aussie thongs (flip flops I believe).
"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/yoga2 -
SandyShores said:KajiKita said:...... got two new bras in the right colour, no luck on thongs though sadly.
Lol, I'm an M&S knicker / granny knicker person these days. Unless you were talking about the Aussie thongs (flip flops I believe).
I cannot be doing with knickers or VPL. I’ve been wearing thongs since I was 14 and expect to wear them to my end! 😉
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.3 -
There's some phrase about the only people who have never made a mistake are the ones who never do anything
, so I'm definitely with the non-boring ones, but sometimes I do like a bit of boring time
Well definitely not the Aussie ones then
I was out shopping earlier and looked at some bras, but couldn't be bothered to try them on - it's been a busy weekend. I think I might be online shopping soon though as I've lost a bit of weight so might need to get my bothered on"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/yoga2 -
I think I was down your way at the beginning of the week, as you mentioned a just over the border Welsh town. I hadn't really visited since I was a teenager, (nearly 40 years ago, how is that possible!) but it was nice to see some old haunts and remember happy family outings. Beautiful area.Mortgage Free November 2018
Early Retired June 20202 -
Staffordia said:I think I was down your way at the beginning of the week, as you mentioned a just over the border Welsh town. I hadn't really visited since I was a teenager, (nearly 40 years ago, how is that possible!) but it was nice to see some old haunts and remember happy family outings. Beautiful area.
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.2 -
I also got remeasured for bras this weekend and was surprised (as everyone usually is I’m sure) that I was wearing 2 back sizes and 1 cup size too big! The bras were also upwards of £100 so I said I’d return at a later time when I had completely finished breastfeeding but they were absolutely stunning. Just didn’t want to have to remortgage the house to buy them!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 also got remeasured for bras this weekend and was surprised (as everyone usually is I’m sure) that I was wearing 2 back sizes and 1 cup size too big! The bras were also upwards of £100 so I said I’d return at a later time when I had completely finished breastfeeding but they were absolutely stunning. Just didn’t want to have to remortgage the house to buy them!
Yes, the price of them is …. well, let’s just say …. ‘remarkable’! I try to offset it in my mind by thinking of them as pieces of engineering and engineering shouldn’t come cheap! 😉
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.1 -
I definitely need to invest in some bras and some shoes. I need comfort and support in both."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/yoga2
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