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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,770 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 16 September 2023 at 7:21AM
    Slept in to 6.45am this morning. Still a bit tired and coughy but definitely needed the rest. 
    Off down to the Welsh town on the borders to get a new sim for my poor sickly phone. Will take that opportunity to buy myself some flowers, browse the veggie options in Em&Ess and PauseFlower and possibly look for a new fleece as well as get some cash out for the firewood delivery we had this week. 
    After that ….? Maybe help Mr KK wrestle the curtains up in the lounge over the patio door, get some planting, weeding and other pottering done in the garden. The cleaning can wait until the wet weather on Sunday!

    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your garden pottering 

    Good you held the boundary on the meeting request

    Good news about your CV
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,770 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Moved the huge lump of oak out of the living room along with all the blocks, given everything a really good vacuum (Poor Henry when r picked him up weighed a tonne! he has a new bag now) and put the furniture back. 
    Tip run done - so good to finally get rid of all the rubble and waste blocks. 😊
    Picked up some bakers for dinner tonight, as I forgot to ask Mr T to deliver some this morning! 
    Whilst we were down on the industrial estate, went into BoltSecure and bought a new radiator and valve (got a discount for that as we bought the radiator at the same time) for the living room and a pack of 10 pairs of new work gloves for Mr KK (deal on 10 packs at once) as all of his are shot and he gets dermatitis if he doesn’t look after his hands at least a bit. That will save a job for Mr KK collecting the radiator next week and the plumber can come next Saturday and plumb it in 😊

    Proper tired now but feeling a sense of progress. 😊

    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you manage to sort the insurance - not a lot of notice!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,770 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope you manage to sort the insurance - not a lot of notice!!
    I’ve made a start but it’s made me realise that I need to dig out the previous policy and have at it with a highlighter for the key points such as rebuild costs etc. An easy job for today. 

    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: 7,770 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Didn’t dig out the policy - might do that when I go upstairs for my shower shortly. I did email our mortgage broker though, just to confirm that we can go for a standard policy now. 
    However, I have wrangled all of Mr KK’s washing; got it dried, folded and back up to his room. 
    Bathroom and loo cleaned - the grout in the bathroom behind the bath got scrubbed with an old toothbrush! 
    Swept kitchen and conservatory floors. 
    I have moved the cleaned / recovered vacuum cleaner from the conservatory to the upstairs landing, having cleared a space for it up there. Used it on the all the rooms etc up there - not just floors, also cobwebs 🕸️ 
    Have decided to declutter my room enough to be able to remove one of the three chests of drawers I have in there. Made a start by removing loads of stuff from the built in cupboard over the stairs in the spare room, which will allow me to decant blankets etc from one of the CoDs I want to keep in my room, then I will be able to decant from the CoDs I want to lose to the one I have cleared in my room …. Following?! 😉
    There will be much picking through the drawers of all three of the CoDs with ‘Do I love?, does it fit?, do I use?’ running constantly. 
    I have asked Mr KK to help me resite a strange little Swiss cabinet that lives in my bedroom I acquired some years ago that I am very fond of. Not sure whether to take it downstairs or I might use it as a blanket box / shoe holder at the foot of my bed … Cogitations will continue. 
    We will have a lot of stuff to burn - Buddhist practice items cannot be thrown or given away, it has to be burnt. I asked Mr KK and he is going to help me with that. I actually got quite emotional when I was talking to him about it. 
    I intend to do a scale plan of the current layout on graph paper (I’m old school! 😂) and then do another with the furniture in scaled, cut out furniture footprints so I can rearrange it to my hearts content before we actually start shuffling things around. I remember doing this when I was wee. My parents found it very odd and always wanted to know how I did it - all their furniture was huge, heavy Victorian stuff and I lugged and shoved around my room on my own. I had to be sure the new layout would work before I started!! 😉
    Have almost a boot’s worth of stuff to shift. I’m feeling slightly bad about the fact that I will just give it to a charity shop as I look at it and see value in it, but realistically I really don’t have the time or energy to organise selling and shipping it ….

    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: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What kind of buddhism did you practice? 
    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.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You always sound like you get so much done... Slightly in awe.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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