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Mortgage free in Forever Home :-)

1114115117119120736

Comments

  • KajiKita
    KajiKita Posts: 10,680 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Thanks @SandyShores, that’s well worth knowing 😊

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 63 books of target 52 in 2026 as @ 2nd September. 
    Produce tracker: £245 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: 10,680 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Calmer day in work after a manic three days, mopping up a load of stuff that was drifting a bit because outside of the big project activity. Helped Italian boss with getting his point across when no-one seemed to be understanding him in a global collaboration call - he’s on holiday after tomorrow and it was becoming increasingly obvious he needs it 😉, so I stepped in to facilitate.

    Should be a really quiet day tomorrow as my boss is off along with lots of other people. Hoping to get all my team’s 1:1s written up and some PDA prep done too. 

    This evening we have brought in a new bookcase Mr KK found on FBMP for £10 and got that upstairs (this always involves major activity - taking down the banister and newel post) to the spare room, ready for me to load my craft and art books into! 😊 ❤️🤩 I am too shattered to do much more tonight, but I will give it a wipe down so I can start loading it tomorrow evening 😊

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 63 books of target 52 in 2026 as @ 2nd September. 
    Produce tracker: £245 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. 
  • beanielou
    beanielou Posts: 101,037 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are really lucky on FBMP  :)
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 13 months left.
  • KajiKita
    KajiKita Posts: 10,680 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    beanielou said:
    You are really lucky on FBMP  :)
    We aren’t usually, especially when selling, but recently, yes! 😊

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 63 books of target 52 in 2026 as @ 2nd September. 
    Produce tracker: £245 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: 13,806 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good use of a dreich day!
    Mortgage OP 2026 £1870/2000
    Mortgage balance: £29,865

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept



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