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Mortgage free in Forever Home :-)

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  • Cheery_Daff
    Cheery_Daff Posts: 17,222 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a good, achievable aim to me! 😊
  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Managed to shift the files, but there is more and more stuff that needs a home and I’m running out of room. Think some more of the outdoor cushions (that we have never actually used) can head off to the charity shop. I think a shelf divider of the type that Windermere-land sell might be a good idea - I shall do some rummaging. 

    I’m also getting into what I would call the turgid stuff - you know, the bit where every piece of paper needs a decision …. 🙄🤷‍♀️

    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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,222 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Urgh, yes, I know that turgid feeling 🙄 sounds like you're doing a grand job though!
  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Urgh, yes, I know that turgid feeling 🙄 sounds like you're doing a grand job though!
    Getting there, but it’s enough for tonight. 
    I need to start on bits and pieces in the living room next, ready for the big wall demolition, probably not this weekend (neither of us are well enough atm to do it next weekend!) but the BH weekend. I will try to clear my side table tomorrow night.

    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: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Picked my first cucumber this year! Finally!! Only a baby one (90g) but it was starting to feel like an impossibility 😉
    It’s getting darker and darker to water the greenhouse first thing - I’m going to need a torch soon …. 😳🤷‍♀️
    Slept well, best for almost a week but am still going to ring the surgery today to try to get an appointment with the GP to discuss these recurrent UTIs - debilitating and depressing. 

    Forgot to mention last night - I also managed to pot up two languishing specimens of plant life:
    - some mint cuttings that had come from the Border of Doom, been rooted in a glass on the kitchen windowsill and are now in a good pot on the steps to the back door, where I can keep an eye on them! 
    - a hugely tall, skinny sunflower that was still in its original 3” pot (ahem) …. Mr KK was muttering about ‘staging an intervention’, so I have planted that deep in an old clematis pot so it can root from the stem, with a stake and put that back in the conservatory as I don’t think the poor thing will cope with any wind outside at all. It could be quite fun if it flowers in the house 😉😊

    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. 
  • Hopefully the GP can help - I think a relative had similar and she was prescribed topical oestrogen which did wonders so fingers crossed.

    Hurray for the cucumber but not for the nights drawing in. If summer could last a bit longer I'd be happy.
    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 2025
  • Rach273
    Rach273 Posts: 83 Forumite
    Ninth Anniversary 10 Posts
    I can't help with the UTIs, just sympathy and kudos that you manage to work through them!

    I can commiserate with you on the cucumbers though. My cucumber plant is sulking and I have no idea why. I thought I had cracked it after a disastrous year last year (when everything i picked was far too bitter to eat) I have had quite a small but chunky cucumbers in June and July, but now everything just yellows and dies whilst still tiny despite plenty of feed and religious watering.
    Maybe next year will be third time lucky?
    "It’s all about balance, do you see? Balance is the trick. Keep the balance and—” She stopped. “You’ve ridden on a seesaw? One end goes up, one end goes down. But the bit in the middle, right in the middle, that stays where it is. Upness and downness go right through it. Don’t matter how high or low the ends go, it keeps the balance.”
  • badmemory
    badmemory Posts: 9,708 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I believe acidopholus (sp) works for some people.
  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    badmemory said:
    I believe acidopholus (sp) works for some people.
    Thank you. I’ve done some reading around and ordered some. I hope they help. 
    It’s good to have the option as I think the GP might refuse the topical oestrogen as I am already on a high dose of HRT. 

    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. 
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