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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    £5.12 OP sent off from QM33 and a 66p TT 😊

    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: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Managed to get some time in the garden today, in between random, non-forecasted(!) showers and all my spring sown plants are now in the ground and the first lot of my summer sown perennials, so they can all get their toes in over the coming weeks 😊

    My thalictrum I grew from seed c. 3 years ago is looking gorgeous - almost luminous ❤️ Love, love, love this plant. I want more, everywhere! One to add to the seed list this winter 😊 I’m not going to bother with spring bedding this autumn - I always find that it is only just getting going by May which is when I want to rip it out and put my dahlias etc in. Year after year it happens that I get past the summer solstice and my summer plants are still not all in the ground. I have had a suggestion that you can plant bulbs at the back of beds (from the viewing direction) or along the foot of walls for spring colour, so that’s what I will do this autumn 😊

    Made biscuits, subbed out pine nuts and put in Brazil nuts - lushness on a plate! 🤩

    Book shuffling is going well. We were going to move the 1kea cube unit thing out into the potting shed and start building up the wardrobe / craft cupboard this evening but we are both shattered, so it will be tomorrow now 😊

    Overall it’s been a good weekend but would love not to be going back to work tomorrow …. Three more weeks to my week off! 😉

    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: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Good day in work today. Had my half year PDA with my boss and he actually gave me genuine positive feedback and genuinely useful constructive feedback as well. 👍

    Raised the e-req for a new member of staff (incoming goods inspector) after the second attempt as I had directed it for authorisation to the wrong business line 🙄 and drafted a job description for it. Also prepped two of my team’s PDA reviews 😊

    At home, spread a bag of bark on the path and part of the sit spot border 😊 🌸 and helped Mr KK lift all the bits of the ‘craft cupboard’ up the stairs and assemble it whilst I also cooked dinner! Shattered now but happy 😊 He’s measured up for the ply for the dividers and shelves. 

    I found myself doing stretching in the work kitchen whilst waiting for the kettle to boil today (lots of gardening and shifting furniture at the  weekend) and I’m sure that really helped me keep my concentration going this afternoon 😊

    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: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    £5.52 sent off to OP from TCB 😊

    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. 
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Glad you are enjoying your book Kajikita.  Mine are just piling up on the bedside table, soon to be creating a falling hazard.  I looked up the date it was published - 1984 - almost 40 years ago.  It will be interesting to hear how you find it reading now.  I also noticed they made it into a film in 2017, with Timothy Spall, who always seems to be in good movies so I might watch that if its available Pr1me.
    "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/yoga 

  • KajiKita
    KajiKita Posts: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Glad you are enjoying your book Kajikita.  Mine are just piling up on the bedside table, soon to be creating a falling hazard.  I looked up the date it was published - 1984 - almost 40 years ago.  It will be interesting to hear how you find it reading now.  I also noticed they made it into a film in 2017, with Timothy Spall, who always seems to be in good movies so I might watch that if its available Pr1me.
    You be making me feel oooooold! 😂

    Just had to buy a new kettle as the spare from the cellar that replaced the one that failed on Friday is also caput! It’s a staggeringly ugly but cheap one from B3ko and should attract some TCB 😊

    We have had a night off tonight - we both said to each when we got home that we needed a rest tonight. The weather is pretty wet here so we are having a breather and Mr KK is postponing putting the hole in the lounge wall as this weekend’s forecast is dire. We will finish the craft cupboard and clear the living room so we can properly dust sheet it over the next week. 


    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. 
  • redofromstart
    redofromstart Posts: 5,863 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Glad you found it - I'm still trying to remember which book had a main character who had hair that ate hairbrushes!  

    I was 11 in 1984. Doesn't seem that long ago to me either.
  • KajiKita
    KajiKita Posts: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Glad you found it - I'm still trying to remember which book had a main character who had hair that ate hairbrushes!  

    I was 11 in 1984. Doesn't seem that long ago to me either.
    Not just found it, read it! 😊❤️

    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. 
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    A night off sounds nice. I have had a similar day on account of needing some R&R although did get some stuff done in the garden! 
    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
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