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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 9,214 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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! 
    Oh well done 😊👏
    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 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 5 books of target 52 in 2026 as @ 13th January 
    Produce tracker: £18 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: 9,214 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 10 August 2023 at 5:08AM
    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. 

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 5 books of target 52 in 2026 as @ 13th January 
    Produce tracker: £18 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 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. 

    KK
    The magic trifecta of free time, daylight, and dry weather has not appeared here either..! That border is looking amazing.
    Start 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: +1
  • skint_spice
    skint_spice Posts: 13,634 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Looks great!
    Mortgage OP 2026 £50/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,546

    Make £50 a month Jan £20
    Boiler fund £925/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 97,764 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • SandyShores
    SandyShores Posts: 2,030 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Looks great, you have a lot of garden to manage.  
    "Think of many things, do one"
    Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
    Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga 

  • 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!
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