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Mortgage free in Forever Home :-)

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  • Glad to hear Madame is doing better, sometimes it genuinely is that the adrenaline fools them into thinking they're better if it's just a bit of a bleugh thing.

    I can sympathise with the crafty stuff that sits in the back of the cupboard for years. My next project is a cross stitch that was given to me by my grandma, who died 10 years ago  :#
    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
  • skint_spice
    skint_spice Posts: 13,428 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love the tapestry!

    My sympathies with the cat, mine likes only one type of food (nothing special) and it’s a nightmare when there is none on the supermarket shelf😫 she would eat those cat yogurt things til they come out of her ears though.

    Enjoy your day trip, photos please!
    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)
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy the tapestry. I think I recently binned one of mine that was 90% done when I realised I didn't have anywhere to put in anyway and it had sat for 3-4 years doing nothing so what was suddenly going to change. 

    Sorry about your aunt. Really sad situation. Hope your cousin manages to step back - and you too. 

    Good you had some greater clarity on work. Sounds like most bosses TBH - and sometimes I can be more naive than I seem - so sometimes they prove right about people I'd have paid more to.

    Enjoy the rest of your holiday.

    I think with the counselling - I'd make sure that you get to talk about what you want - rather than necessarily taking direction from the counsellor. I'm very into the unconditional positive regard style of counselling which is person led rather than the more directive CBT style which can be too tick list orientated and not actually meet my needs. The other thing I'd say - is although you seem a high flier - it sounds like there are underlying issues that longer term counselling may help you address. I love B Brown - the first book of hers that talks about imperfection in particular - but as you listen to her over time (and on utube too) you realise how resistant she was to counselling initially - but over time realised there were more layers she needed to unpick and resolve. I am a much better parent, worker, and self-care giver etc now I am getting more of my own needs met through counselling support etc. Just a thought. As you can imagine - top on my list for a counsellor is black sense of humour... Some take themselves far too seriously... I'll leave that thought with you - feel free to ignore me.
    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
  • KajiKita
    KajiKita Posts: 7,754 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks for the thoughtful reply @savingholmes ❤️

    I have a number of large tapestries that I have finished but not done anything with. I should get them stretched and framed really, but there is time for that and they aren’t eating anything atm 😉

    I have had counselling before, many years ago and it certainly helped. I just don’t have the spare cash to be able to afford anything like that on a regular basis atm. The sessions I am having atm are paid for by work. Yes, there are underlying issues I am challenged with and I think I have greater clarity, thanks to recent events, about what they are. For me that is always the first step in unpicking things …

    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: 7,754 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    For @skint_spice 😊


    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: 7,754 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Pretty bad night - slept from 10pm until 1am and then was awake until 4am when I took more tablets - sigh. I don’t know how I am functioning tbh with this little sleep. Don’t think I have had a full night’s sleep in six nights now …. 😢🥱

    I have stripped the bed and washed all the linen as it really did feel like a ‘sick bed’ - am hoping having fresh linen will make me feel cooler and I won’t put the duvet back in the cover tonight, I will just sleep under the cover (I don’t feel safe without something over me) and have the duvet to one side if I get chilly. 

    Washed up two days worth of pots first thing this morning - it was just too hot and we were too tired last night! Mr KK was pleased when he came down and it was all done 😊
    Also taken out two of the heavy rubber backed mats we have for wiping feet as we come in, and given them a good scrub in the garden. They are drip drying atm - I will move them into the sun later when they are less heavy! There is a third one left to do but that can wait until Saturday. 

    Meeting a friend for coffee later this morning. 🤩 (Me, having a social life! 🥳🎉)  Just off to sweep down the conservatory now that I have cooled off in front of my fan again 😊

    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. 
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    KajiKita said:
    Certainly is warm today! 😮 Well done for the AA cost! It's a great feeling, isn't it? 😃
    I feel like a proper ‘grown up’! 😂❤️🤩
    I’m just catching up but love this. I am 3 months into saving for next years car insurance premium, because this year was a year we could afford to put a bit more away. I just know when we come to pay it annually next year I will feel like it’s a huge milestone. Well done to you. 
    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
  • KajiKita
    KajiKita Posts: 7,754 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
    Certainly is warm today! 😮 Well done for the AA cost! It's a great feeling, isn't it? 😃
    I feel like a proper ‘grown up’! 😂❤️🤩
    I’m just catching up but love this. I am 3 months into saving for next years car insurance premium, because this year was a year we could afford to put a bit more away. I just know when we come to pay it annually next year I will feel like it’s a huge milestone. Well done to you. 
    To people on the outside of this process, whether they do it by default and take it for granted, or those that don’t do it at all and don’t know what we’re talking about, our joy in this must look a bit strange 😉 But we know that little milestones like this show us how our understanding has grown, our habits have changed and our control over our future is increasing! 😊❤️🤩

    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: 7,754 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    The smaller of the two mats has dried well and is back in the living room in front of the patio doors - Mr KK added some stays this morning, in brass to match the handles, to stop the doors slamming about. 😊
    The larger mat from the conservatory, is still pretty damp/wet atm, so I have contented myself with lugging it over the chair I put the laundry basket on (so I don’t have to been to the ground when putting the washing out or bringing it in). The chair is angled right at the sun now, so I am hoping with that and the fact that the mat is off the ground now, so should have a bit more air circulation, it will dry before this evening. 

    Bedding is dry, in and back on the bed. Duvet is confused and concertina’d on the edge of the bed for pulling over me, on top of the cover if needed during the night. 

    The conservatory is looking a bit better but there is masses more to do in there. One thing I am realising is that there is either too much stuff in there or it is badly arranged, or both, as it is always a nightmare to tidy or clean. I think the next job, once the sun comes off it completely, is to clear the little table in there of various variousnesses! 

    Saw my friend - had tea and a tea cake which she sneakily paid for, for me 😊 As I got there she was taking a call from a head hunter about a role which sounds right up her street - I think she’d be brilliant. Crossing my fingers for her 😊 We met at a very nice garden centre and NEITHER of us bought any plants!!! 🎉👏🤩

    Mr KK has taken the Jeep out for a run over to his parents. I was excused due to still being a hot bed of germs! 😉 (I felt not too bad this morning, but the headache this afternoon nothing is touching! I suspect the humidity isn’t helping.) 

    We do need to do a food list and online shop tonight for Saturday’s delivery, as we will be out all day tomorrow (heading over to Hay) and then out for dinner tomorrow night 😊❤️

    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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