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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 2 September 2023 at 6:23PM
    Bit fed up. Whatever this lurgy is, it’s fairly ferocious. I have a horrid dry cough and wheeze if I exert myself too much. So tired. Only managed to get the car washed, do one load of washing and get it dried, cleaned the cat’s barf cushion and spent the whole afternoon in bed. It’s been a very long and boring day. I suppose I should eat something but I don’t really feel like it - very unlike me!

    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!
    Feel better soon.
    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.
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope you feel better soon. 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • I got something similar when I came back from holiday. Took a few antihistamine tablets (oh gets hay fever I don’t usually) and it cleared up so I put it down to that might be worth investigating
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I got something similar when I came back from holiday. Took a few antihistamine tablets (oh gets hay fever I don’t usually) and it cleared up so I put it down to that might be worth investigating
    Thanks for the thought. I take an AH every day from early May onwards as a preventative for over-reacting to insect bites, taking one yesterday didn’t touch it. 

    I did sleep quite a bit last night, finally surfaced c. 9am when I realised I was just ruminating about work! 🙄😂 Got a load of washing on and I have come back up to bed with a cuppa. Earned two points for the monthly challenge on Duolingo and am just about to start perusing the boards and continue reading the epic thread on money scrimping (most of it is a bit extreme or time consuming for me, but I did decant poppy seeds into a jar from a bag with a plate underneath to catch any escapees last night, which I gleaned from that thread, so I shall continue my reading 😊). 

    Sole targets for today:
    - dry the washing load
    - work out the shades of green on my tapestry - what I have as wools and what I have within the pattern don’t seem to tally and my head was too befuddled to even attempt it last night
    - weekly tot up / recording of spends
    - try to eat

    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. 
  • Hope you feel better soon - definitely rest up because COVID is going round again and that definitely doesn't  react well  to pushing through!
    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
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope you feel better soon - definitely rest up because COVID is going round again and that definitely doesn't  react well  to pushing through!
    Very true! 
    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
    Done very little today. Washing dried, folded and put away. Much reading of forums. Had a snooze in the garden in the sun this afternoon - cat came and cwtched on me for 20 minutes ❤️

    Felt so much better after that and a cuppa, that I was actually making myself a meal (runner beans from garden, cooked, smothered in HM vegan cheez sauce, topped with mashed potato, two tomatoes from the garden and some cheese-cheese) when Mr KK came home, super early! 😊❤️ Excellent news on many levels as I didn’t have to worry about him driving home and I don’t have to stay up to past 10pm welcome him. 

    The runner bean bake thing was very good. I have come to conclusion that I am going to have to give up being vegan in the evenings, on week days certainly. I can manage a vegan breakfast and lunch easily when I am at work, but it is impossible to cook two different meals in the evenings without resorting to lots of UPFs and I am thinking that a veggie option in the evening would give me easier to construct meals and protein sources. I don’t like this and will never go back to eating meat, but think for now, I have to do this for my health.

    I am clean and showered and looking forward to my bed 😊

    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. 
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    Cut flowers from my garden yesterday, they won’t last as long as shop bought flowers but I am really pleased with them 😊
    I have recorded them as worth £3 on my produce tracker as that is the cheapest you can buy shop bought flowers for. I thought I had posted this earlier but it doesn’t seem to have made it onto the forum …. Will wait and see if this posts …


    Hi KK - I am still only on page 98 of your diary - but these flowers made me smile... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    We tried a vegan diet for a while Kajikita, but there were a few things I really missed - diary products were a biggie.  And while we eat a lot of meat-free or veggie foods, when you are vegan it takes that extra bit of effort.  I admire anyone who is vegan though, and if you can cook two different meals you must be super-human! :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 

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