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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Been a slow week but just cashed out £5.05 from QM33 to send off as an OP 😊

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    First load of washing is on.
    Greenhouse is weeded, dead-headed / dead-leafed, fed with comfrey pellets (been meaning to do that all week!) and watered. 
    Pearl barley for burgers is bubbling away on the hob. 😊
    Having a cuppa on the sofa.

    Feeling more energetic than I have for weeks! 

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • skint_spice
    skint_spice Posts: 13,737 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The burger sounds nice, have you tried The Happy Pear website? They have lots of recipes on there, I love their podcast for health and well-being type stuff.
    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,791

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May 
    Boiler fund £2085/3000

  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    skint_spice said:
    The burger sounds nice, have you tried The Happy Pear website? They have lots of recipes on there, I love their podcast for health and well-being type stuff.
    No, I haven’t. I will have a rummage 😊👍

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    edited 29 July 2023 at 12:16PM
    Managed to snaffle the last dose of flea ‘sticky-neck’ at the vets - apparently there have been loads of calls about fleas this morning! The cat will have to be caught and ‘dropped on’ in a two person operation at some point this weekend …. (she is very small in build, very floofy of fur which is also very silky so she is very slippery to hold! 😂). 

    Vegan food fair was okayish but not big (maybe 10 food stalls in total with a crystal stall, wildlife and plant charity stalls) with a lot of sweet stuff. Not much inspiration but did come away with awesome olives and two nut based vegan cheeses - instead of the endless, stomach-ache inducing, coconut oil stuff you get in standard shops. 😊 Didn’t spend too much either! 😉

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I reflected on your burger idea and realised that earlier in the week I made a sort of patty from Deliciously Ella which was sweet potato and quinoa. They’re supposed to be pancakes but they didn’t go very flat for me, more like a soft textured burger very rough around the edges but turned out okay. Not super dry either so will share that recipe too if it’s of use.  
    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#latest
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    MissRikkiC said:
    I reflected on your burger idea and realised that earlier in the week I made a sort of patty from Deliciously Ella which was sweet potato and quinoa. They’re supposed to be pancakes but they didn’t go very flat for me, more like a soft textured burger very rough around the edges but turned out okay. Not super dry either so will share that recipe too if it’s of use.  
    Thanks for the offer 😊
    I don’t like either sweet potato or quinoa, but the recipe would be interesting for proportions, method etc, so yes please 😊

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    @MissRikkiC, you reminded me that I have a DE on my shelves. Looking at her method it looks she uses flour and arrowroot to ‘stick’ her patties together and blitzes everything together to very small rather than leaving anything chunky. Thank you for the prompt 😊



    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    And this one, though they are described as sliders? 🤷‍♀️



    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £108 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. 
  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Those look yum, looking forward to hearing how they are :smile:
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

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