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Mortgage free in Forever Home :-)
Comments
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Hopefully tomorrow will be a bit more sensible! 😉😂beanielou said:Great OP.
No wonder you are tired.
I am targeting an outstanding balance of £250K by next May, when we will start looking at remortgaging options - currently on £265K. If we can get to £250K that should be comfortably 50% LTV which should help with better options, I hope! 🤞😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Hopefully kk
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 -
Looks good KK. Good luck with the OP plan tooMortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Thank you 😊skint_spice said:Looks good KK. Good luck with the OP plan tooAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Absolutely shattered, but the patio door is in and the house is whole again! 😊🤩🎉🥳
Done so much cleaning today.
Deep cleaned a whole run of worktop in the kitchen including right into the corners at both ends, de-crumbed and polished the chrome toaster, scrubbed the utensils pot and knife block and washed all my free weights! 😉 Rehomed the onions, shallots, garlic box inside a cupboard instead of on top of the worktop directly under one the under unit lights - I am hoping this might make the alliums less sprouty!Deep cleaned the bathroom including getting up on steps and wiping down the walls at cleaning height to shift some black mould that was starting.Helped Mr KK with all the deep dust cleaning that was needed after all the demolition works! Lots of vacuuming and wet dusting.Strained lots of bits of me helping shift rubble, lift glazed door units, help fight with huge steel lintel etc etc. I was already shattered after yesterday - when the cat came in demanding breakfast this morning I picked her up for her usual ‘food cuddle tax’ and my little cat seemed to weigh twice as much as normal - my muscles are pooped! 😂
Tomorrow, I hope, will be a little saner …..!KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
well well done, the achievements are well worth the achey muscles!Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
We are really, really pleased with it ❤️🤩skint_spice said:well well done, the achievements are well worth the achey muscles!
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Be proud 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.1 -
As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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.1 -
I am currently sat in the lounge enjoying the view through the new patio doors … okay there are thunking great acro props, bits of wood, random screw and accessories etc. in that view and the doors are filthy from all the dust, but I am getting a sense of the view! 😂😉
<Mystic Meg tones on> I see a large and beautiful pot in my future, filled with beautiful things, such as lavender and other pretties to attract insects …..<Mystic Meg tones off> 😊
In the meantime, when one is being sensible about one’s prospects for the day …..
Those patio door windows need CLEANING! I think I will actually quite enjoy that job 😊 Cleaning the pvc rather less so, but the sill and the frame came up really well actually - somehow, I have a big spray bottle of specific uPVC cleaner under the kitchen sink (I really can’t remember where from) and it does seem to make a difference.I must move possessions and stuff around the house, back to more logical locations again, so we can slide effectively back into our respective part-working weeks (Mr KK will be doing just 3 days as he is off on Friday for the weekend to Beaulieau with his best man) and me 4 days before A WEEK OFF!!!! 😊🤩🎉 I might be looking forward to this just a bit … 😉).
Possibly do some planting of the plants I bought on Friday.Dry Mr KK’s washing - I am expecting at least two loads to wrangle. He’s had a very dusty few days!Definitely pick runner beans and blackberries (the birds don’t seem to eat them here so I might as well 😊).Some reading, tapestry and chilling 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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
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