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Mortgage free in Forever Home :-)

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Comments

  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ask us about the book, you never know your readers might be able to identify it.

    I'm intrigued what it could be.
    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 
  • Read your UPFs posts with interest, that's something I'm really looking at at the moment and considering ways to cut them down. I'd always thought of us as being pretty healthy eaters anyway but when you count them up it's amazing/scary how many UPFs are in our diet (especially the bread, that's been a real eye opener!)

    Also I'm near Monmouth too, our village is over the Monmouthshire border but we're half a mile from the Forest of Dean border. Feel so lucky to live here.
    Mortgage free as of March '25!
    £240,000 paid off in 4 years, 8 months and 18 days (July '20-Mar '25)
    Mortgage paid off 19 years early.

    2025 MFW #40

    2025 Goals

    Pay off mortgage of £55k for good! - £55k/£55k paid - mortgage free!!!
    Keep emergency fund at £10k - £10k/£10k - goal met!
    Lose 12 kgs - 3/12 kgs lost so far
    Try 1 new activity/experience as a family each month - 0/12 new activities/experiences tried
    Decluttering - declutter 500 items from house and outbuildings - 136/500 items so far
  • badmemory
    badmemory Posts: 9,713 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I have a theory.  Taking London as base.  Around Manchester add one jumper.  Forest of Dean add 2.  Lived & worked there many many years ago.  I was pleased to see that the Speech House is still going although it has probably changed a lot.
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Read your UPFs posts with interest, that's something I'm really looking at at the moment and considering ways to cut them down. I'd always thought of us as being pretty healthy eaters anyway but when you count them up it's amazing/scary how many UPFs are in our diet (especially the bread, that's been a real eye opener!)

    Also I'm near Monmouth too, our village is over the Monmouthshire border but we're half a mile from the Forest of Dean border. Feel so lucky to live here.
    It is an absolutely stunning area and relatively quiet too, compared to the inner cities. 

    There’s a vegan market coming up next Saturday, in Ross - have you seen that?

    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
    badmemory said:
    Why not just put it on here and see if anyone knows it.  A lot of us are long time readers, although I left my teens over 50 years ago so may not be a lot of help!

    ETA  I've just checked out a book I read when I wasn't quite a teenager.  On Amazon for $100.  I'm just wondering if it is still in the loft.
    I typed up quite a detailed description this morning for the FB group but am still waiting for the admins  to approve it …. Once it surfaces / I have the time to write it again I will post it. Thank you 😊 

    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
    Fabric I ordered for the tablecloths has arrived - I love them all and Mr KK likes them too 😊


    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. 
  • skint_spice
    skint_spice Posts: 13,438 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love the flowers! Wonderful colours 🌸 
    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)
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Latest stage of hearth building ….
    Mr KK is filing in the last gap between the stove and the external flue and we will probably light it tonight, partly because all the new fire bricks and cement need to be fired in gently and also, you know, the weather etc … 🙄😂


    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
    badmemory said:
    I have a theory.  Taking London as base.  Around Manchester add one jumper.  Forest of Dean add 2.  Lived & worked there many many years ago.  I was pleased to see that the Speech House is still going although it has probably changed a lot.
    Try Lancaster where I originate from - that’s definitely two jumpers and proper slippers! 😉

    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. 
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