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Mortgage free in Forever Home :-)
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Hope you enjoyed your lunch.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)2 -
Hope you had a nice lunch.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.2 -
Thanks @skint_spice and @beanielou 😊
Yes, lunch was good if mildly eccentric - one of the waitresses stormed out just before we arrived and as the cook was the cousin of my friend, I almost wondered if we would end up serving …. 😂
My friend is the manager-colleague who disappeared from work this week . I can’t say too much more here but she’s doing okay. She appreciated the present I gave her to thank her for all her support and guidance in the first twelve months I worked with her - without it I’d have sunk without trace.We wandered around the garden centre - she bought three new houseplants and I bought a beautifully spicy scented David Austin rose with some suitable companion plants and two new pairs of the best gardening gloves I have found.
I was shattered afterwards so didn’t do a lot this afternoon but hoping to do a bit more tomorrow 😊 I’m trying to remember that I was ill all last weekend and it’s been a tough week, so some depletion of my energy is legitimate! 😉
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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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 -
Rest is a legitimate use of time even if you've not been ill or you've not been busy - if you need it, you need it.
Sounds like an informative lunch with your friend-colleague as well, glad they're okay after disappearing.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 -
Have had a good morning in my potting shed.We had an empty, tall, skinny open backed 1kea bookcase we were debating what to do with. I realised I had a gap in my potting shed it would slide into quite nicely with minimal fiddling. So after a big tidy up of the space, Mr KK came and took down some bracketty-hooks and helped me in with the bookcase from the living room. He then relocated the bracketty-hooks on the reverse of the dividing ‘wall’ (softwood frame with ply cover) and all my plant supports are relocated there. I have now spent another hour matching up the multi divided plant trays (I try and reuse them from garden centres etc, but you end up with so many different types and then they won’t nest or stack properly) and storing them vertically in the bookcase with the little tiny ones for things like nicotiana right at the front. Only got rid of 4 trays that didn’t match any others / were super unhelpful proportioned cavities - quite pleased at that.All of this involved sweeping the floor twice and emptying the bin in there of a big black bin bag.There’s more to do in there, but it looks and feels so much better! 😊
Found a part bag of chipped bark which I have taken down to the bottom of the garden and mulched my new-this-season bay tree with 👍
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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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 -
After a nana-nap got out in the garden and got the plants from yesterday in the ground 😊
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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.7 -
Frantically busy but productive day in work, left on time. 👍Call with the GP in the midst of the above. Helpful. She thinks I might not be getting recurrent UTIs but i might be suffering with inflammation of the bladder - there was fancy name for it but I have forgotten. She’s asked me to try and get a sample into them when I get similar symptoms again and has prescribed the topical oestrogen that a friend referenced.Got home and helped Mr KK with various bits of prep for the weekend works - taking down curtains, poles, moving ornaments etc. Washed the car down of seagull poop - we have many gulls at work! Used the hose to give the new bay tree a really good watering 😊Beautiful evening here and I am ahead on my chores already, so I might even ….. <drumroll> do some crafting later!! ❤️
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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.6 -
We have many gulls here too - my car needs rewashed the day after I wash it usually 😫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)1 -
skint_spice said:We have many gulls here too - my car needs rewashed the day after I wash it usually 😫Tired here. Been an intense week. Early finish today as I have the final (free!) check up at the dentist today, just to make sure my jaw is sitting right after my new tooth install.Payday today, so this weekend will be paying off my CC for the month and doing the end of month money shuffle 😊 Crossing my fingers for some small OP - though I have just realised that the plumber still hasn’t invoiced us for the work on the boiler, so I should probably keep a it back for that - can pay it from savings but I was going to top up the savings this month after paying him …. Gah! 🤷♀️🙄😂
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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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 -
Had a good day in work today - some significant steps forward on the big project are falling into place rather nicely 😊 Also, got my offices confirmation for my internal ‘Women in Leadership’ course (had an internal one from my boss - apparently three people have requested it and the other two he doesn’t think it appropriate for! 😳) and the opening / introductory meeting on October 2nd 😊Dentist visit went well and I *may* have fallen into the garden centre that I *had to* pass on my way home! 😉
Pay has landed but waaaay too tired to do anymore than feed us, shower, change the bed and collapse this evening. T3scos online shop just updated. Oh - a small win here: for the last two weeks, when buying a whole cauliflower, which we can’t eat in a week, on the first using, when it is still fresh, I have been bagging up the remaining head into small freezer bags in chunks of the size I would cook and freezing it. It cooks okay straight from the freezer - neither of us can tell the difference. Saved myself 95pm tonight by removing a fresh cauli from tomorrow’s delivery as I put away a portion into the freezer from this week’s head!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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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
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