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Mortgage free in Forever Home :-)
Comments
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I am sure I read somewhere that if you are convinced you are having useful ideas/worry you will forget something while trying to sleep you should keep a notepad by the bed and write it down as this gives your brain permission to move on. Not tried this myself…Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
It does kind-of work. I have done it many times, but often the action of writing it down wakes you up some more and then your brain helpfully starts throwing out other things you've forgotten, so you have to keep writing those down as well 🤦♀️!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
I tried once writing down what seemed to come as flash of inspiration in the night, but in the morning discovered it was complete nonsense! 😂
Once I realised I was looping last night I started doing a chakra meditation and was asleep again by my throat 😊
KKAs 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.2 -
Fell asleep on the sofa again this afternoon. Woke up with the cat sat on me - didn’t even notice her climbing on me! 😳Rather to my surprise I have been through all the crafting stored in the conservatory and it is all in The Cupboard! 😊 There are so many part finished projects in that lot, some of them are really pretty! (I’d forgotten. ) You suddenly realise, when it’s all in one place, what a financial investment it all is too - needles, tools, pads of various types of paper, equipment, yarn, fabrics, lots of cross stitch and embroidery kits, etc etc.I have one art materials box I need to get upstairs from the conservatory, but I have done enough for today. Still got all my food prep for tomorrow to do, the neighbours’ pots to water and fish to feed, not-shower to have, pack toiletries to shower in work tomorrow etc etc.
At least the bathroom is clean now 🤷♀️😊
KKAs 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.4 -
Plodding is always goodI 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.1 -
beanielou said:Plodding is always good
KKAs 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.3 -
KajiKita said:beanielou said:Plodding is always good
KK
I fall but get up again & sometimes feel sorry for myself.
I am told I am stoic but I am not sure about that!
Read the first couple of pages & the last coupleI 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.2 -
Congratulations on the fully stocked Cupboard! Having everything in one place is the first step to actually doing it (I tell myself!)Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
Merlin's_Beard said:Congratulations on the fully stocked Cupboard! Having everything in one place is the first step to actually doing it (I tell myself!)KKAs 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.4 -
Proper tired. Disturbed sleep with fever episodes again last night - I know I am proper tired as I am muddling up my words and people’s names. Failed to ring and attempt to make appointment with the GP today as I had back to back meetings all morning, but tomorrow should have a gap in.Shower in the welding workshop at work this afternoon was glorious (not because of welders, they had left for the day! 😂) - warm water and getting properly clean for the first time since Wednesday last week. Plumber has ordered the first pass of parts (cheap option first) so we will try those and see what happens after work tomorrow.Quiet, calm, evening tonight. The limit of my ambition might be to get some files off the floor and into the bookcase in my craft room ….
KKAs 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.5
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