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Mortgage free in Forever Home :-)
Comments
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Mine has emojis 🤷♀️? They're the ones on my phone though, not from the forumMortgage 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 -
Thompson and Morgan do Kalettes - £3.49 a packet (they are good for seeds, bad for plug plants, by the way). Here's a linkSave £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here4 -
Thank you 😊Suffolk_lass said:Thompson and Morgan do Kalettes - £3.49 a packet (they are good for seeds, bad for plug plants, by the way). Here's a link
I’ll have a look.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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 -
I’m a wee bit fed up ….
January went quite well, kept inside my spending budget and managed to save some monies.
otoh, in February so far:
- Huge increase in our gas and electric DD - extra £57 per month
- My bras have become seriously painful, to the point that the left over nerve pain was waking me at night - new bras - £79
- My laptop power supply or some such is dying and my laptop seems to have no power. It keeps switching off. I tried buying a new power supply / adaptor but no, just the same. IT guru-friend is coming to look at it on Wednesday night - I suspect it will need a new battery or some kind of control board - if it can be fixed
Sigh ….
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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 -
I had a similar thing with my phone no longer charging while staying in Scotland and rushed into the phone shop in the nearest town. Out came a pin tool which they use to swap sim cards and it was used to pick a bit of fluff out of the charger port on the phone where it was acting as a protective layer stopping the contacts being made for it to charge. I wonder if you might have something similar in your laptopSave £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here4 -
I am *so* getting a torch on this when I get home!! Thank you - worth a trySuffolk_lass said:I had a similar thing with my phone no longer charging while staying in Scotland and rushed into the phone shop in the nearest town. Out came a pin tool which they use to swap sim cards and it was used to pick a bit of fluff out of the charger port on the phone where it was acting as a protective layer stopping the contacts being made for it to charge. I wonder if you might have something similar in your laptop
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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 -
This is definitely a thing. Especially with the fruit type devices so worth tryingSuffolk_lass said:I had a similar thing with my phone no longer charging while staying in Scotland and rushed into the phone shop in the nearest town. Out came a pin tool which they use to swap sim cards and it was used to pick a bit of fluff out of the charger port on the phone where it was acting as a protective layer stopping the contacts being made for it to charge. I wonder if you might have something similar in your laptop3 -
Mine is an androidSave £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here4 -
I have a problem with my fitbit regularly. I have dry skin & it gathers round the connections & if it isn't the dry skin its the cream I use. A wet thumb usually sorts it.
3 -
And .... I've now had a phone call from my previous employer to tell me that they have overpaid my salary by c. £1K and want it back!
Sigh .....As at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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
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