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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Haven’t started on the cookbooks BUT ….. I have, finally, ordered fibre broadband, on the last day of the offer! Phew ….

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 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. 
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I did manage to fish out the cookbooks last night, but didn’t manage to actually look at them! That’s a job for this evening’s sofa 😊

    Tiring, intense but productive day in work - I even moved desks! But not thinking about that now, as I am now on HOLIDAY FOR 9 DAYS!!! 🎉🤩🥳👏🌞🌟🍹 Whoop …. 

    Popping out now to harvest toms and runners ….

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 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. 
  • beanielou
    beanielou Posts: 95,644 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy holidays :grin:
    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.
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Happy holidays :grin:
    Thank you 😊 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 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. 
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I have woken up with a raging sore throat, a horrible dry cough, a thick head and a sore back. Pretty fed up. Excuse me whilst I sulk on the first day of my holiday! Bah. 😞

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 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. 
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 2 September 2023 at 7:15AM
    Mini win. QM33 has been hopeless this week - struggled to earn 50p a day. Just netted a £2.31 questionnaire so pushed through the £5 barrier. I have cashed out and am sending £5.13 off to OP 😊 That’s made me feel a bit better. 

    KK 
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 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. 
  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Oh no, that's usually me on the first day of hols - I think having worked so hard and not been able to be sick it then happens as soon as you relax.  Hope it passes soon.

    Desk move - love a desk move in a new job - really feels like you're making the space your own and can settle in as no longer a newbie.

    Have a lovely break away from work, sulking allowed for a day or two :smiley:
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • skint_spice
    skint_spice Posts: 13,432 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon and have a great holiday 🎉🎉🎉
    Mortgage OP 2025 £6250/7000
    Mortgage 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)
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh no, that's usually me on the first day of hols - I think having worked so hard and not been able to be sick it then happens as soon as you relax.  Hope it passes soon.

    Desk move - love a desk move in a new job - really feels like you're making the space your own and can settle in as no longer a newbie.

    Have a lovely break away from work, sulking allowed for a day or two :smiley:
    This is my third desk position in 18 months! Starting to feel like musical chairs. I am hoping moving out of being embedded in my team will give me more headspace / be less tiring for me and give them ‘permission’ to crack on as they all pretty much know what they are doing or can help each other now 😊 I hope this sounds empowering for my team and not just lazy on my part! 😂

    Thank you for the sulking permission. I was starting to feel a bit better so sulking mode was retreating. However, I have just found a barf patch on the fabric seat of one of the armchairs in the conservatory - thanks cat! 🙄 Sulk mode fully engaged once again!! 😂

    Hope you feel better soon and have a great holiday 🎉🎉🎉
    Thank you 😊 I suppose I am being obliged to rest … 😉🤷‍♀️

    KK

    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 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. 
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