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Mortgage free in Forever Home :-)
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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!
KKAs 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.4 -
Enjoy your garden pottering
Good you held the boundary on the meeting request
Good news about your CVAchieve 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 29/7/251 -
savingholmes said:Enjoy your garden pottering
Good you held the boundary on the meeting request
Good news about your CV
Helped Mr KK disassemble living room (again! 🙄) so he can block up the old fireplace 😊👍
Bought baby beers for Mr KK from Leedl’s on the way down off the plateau - only place we can find them and a treat for him 😊
Took cash out for my part of the firewood payment (defined pot in YNAB).Sim changed (for free) - phone working again! 👏
Found nice eatings in EmandEss and PauseFlower ❤️
Refuelled car.Swopped flowers over, took compost bucket down to the big bin in the garden.Wrangled Mr T delivery.Loaded car with rubble ready for tip run this afternoon. Mr KK *will* be supporting with this task as there is a big lump of granite buried under that lot! Took the opportunity to level up a very deep pothole in our non adopted lane outside our house with some of the rubble and Mr KK donated a good shovel full of half inch to dust to top it off. It won’t last forever but it will help.Towels washed and in dryer after double spin. Next load is in the machine ready for going out on the line in the sun this afternoon 🤞🌞😊Now sat on the sofa having a whiff. Loading the rubble reminded me that I am still ill! Got so breathless … 😢
Next, finances update.KKAs 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.5 -
Oh, finally had the signed for delivery that RM have been nagging us about all week …. (neither of us were expecting anything that needed a signature).It’s a letter from the broker that arranged our house insurance when we moved in here (we had to go through a specialist broker due to the JKW) saying that they were not able to renew the policy this year …. 🤔 Odd.In some ways I’m not bothered as we should be clear of JKW so we can get a ‘standard’ policy this year, but otoh *why* are they not willing to renew …. Hmmmm …
The policy expires on 2nd October so now would be a good time to start looking.
KKAs 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.5 -
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. 😊
KKAs 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.3 -
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 29/7/252 -
savingholmes said:Hope you manage to sort the insurance - not a lot of notice!!
KKAs 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.2 -
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 ….
KKAs 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.3 -
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.1 -
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 29/7/250
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