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Mortgage free in Forever Home :-)
Comments
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Oh well done 😊👏MissRikkiC said: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!
Tomorrow should be slightly less intense so hopefully I should have the bandwidth to do a bit after work ….
Very grateful for a quiet evening tonight though 😊
KKAs 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: £315 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.2 -
Bit tired - work is crazy hectic still, but I seem to be largely surfing over the top of it all and just about keeping everything spinning. There are lots of fortuitous and linking synergies starting to happen and I *think* I can *finally* see my new team creating its own momentum …..Had a very in-depth conversation with the FC about how to quantify/justify the savings expected from the project I am working on (there was an ambitious guess made at start of project that I wasn’t party to!). I think she enjoyed it as much as I did and I learned a lot. Now I have much delving and digging to do ….Mr KK has worked on my craft cupboard this evening - he’s got the shelves done and hopefully the dividing supports and doors will happen tomorrow! I have been working on book categorisation - all on the ground floor though, thankfully 😊 I think most of the book shuffling is done now.KKAs 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: £315 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.5 -
The sit spot border is filling out a little. I walk past it very morning from the tap to the greenhouse so thought I would share a picture with you 😊
Very pleased with it. Even the poor starve and battered Hibiscus is recovering a bit and put on a fresh leaf and Mr KK is far happier with it. It’s not the riot of colour I would like it to be, but that comes next year! 😉 Just so pleased it is not the monotone, monochrome weedy muddle that it was last year. ❤️
KKAs 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: £315 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.7 -
And yes, the grass needs cutting!! It keeps raining ….!! 😂
I will recut the edge this winter to be a smoother curve. That one you see was cutting around things I was trying to keep …. Ahem! Now the grass is filling in the gaps a bit, I should be able to smooth it off.
KKAs 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: £315 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.3 -
The magic trifecta of free time, daylight, and dry weather has not appeared here either..! That border is looking amazing.KajiKita said:And yes, the grass needs cutting!! It keeps raining ….!! 😂
I will recut the edge this winter to be a smoother curve. That one you see was cutting around things I was trying to keep …. Ahem! Now the grass is filling in the gaps a bit, I should be able to smooth it off.
KKStart mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +13 -
Looks great!Mortgage OP 2026 £1870/2000Mortgage balance: £29,865
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept2 -
Looking good
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.2 -
Looks great, you have a lot of garden to manage."Think of many things, do one"
Mortgage end Sep £166k £310k 2020 (original end date 2038 aiming for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga2 -
Yes to nice borders, down with plastic lawns. We have to do our bit for the invertebrates and pollinators so I'm loving your flowers!2
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Awwww …. Thank you everyone 😊❤️
It’s being a tough week and then last night kind of added to it.Went to the dentist after work to get a crown fitted. It was rougher, harsher experience than I expected. He was in a foul mood - IT and staffing issues and I think he dropped some etching liquid on my lip - I seem to have a burn! Glad that’s done for a bit … yet another further £300 lighter as well (£700 in total!). 🙄In other, more cheerful news, the e-req for my new inspector has been approved! I thought it would take weeks as all senior people seem to be on leave atm, but I got the email! 😊Mr KK has cut all the grass last night including the meadow sections - the garden looks 10x bigger and loads better for it, calmer somehow. 😊 I still have the edges to do but I hope I can get those done this evening.I was so late back and jangly after the dentist and with strict instructions not to eat on that side of my mouth, so I thought a chippy run would be the easy option. I was waiting for 30 minutes which meant I was quite late eating. We then discovered the boiler isn’t producing hot water any more (Mr KK managed a hot shower, I had a cold strip wash! 🥶) and it was so hot last night I barely slept.Ugh …. Can’t wait for today to end, but I have a LOT of meetings …. Sigh ….
KKAs 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: £315 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.5
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