We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mortgage free in Forever Home :-)
Comments
-
Don't feel bad about giving stuff to a charity shop - that's literally what they're there for! 😊
Excellent decluttering work. I thought of you earlier when Mr Cheery assembled 19 of his pairs of shoes under the table, and declared we should probably limit our shoes to 15 pairs each 😂😂 I was simultaneously horrified at having to limit to 15, and horrified that I was horrified 😂😂1 -
beanielou said:What kind of buddhism did you practice?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.2 -
savingholmes said:You always sound like you get so much done... Slightly in awe.
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.1 -
Cheery_Daff said:Don't feel bad about giving stuff to a charity shop - that's literally what they're there for! 😊
Excellent decluttering work. I thought of you earlier when Mr Cheery assembled 19 of his pairs of shoes under the table, and declared we should probably limit our shoes to 15 pairs each 😂😂 I was simultaneously horrified at having to limit to 15, and horrified that I was horrified 😂😂
It’s amazing how they ‘breed’ isn’t it 😊
I have found the previous policy 😊 I shall do some more on the quote’s tomorrow night. I’m done for today! 😊
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.1 -
KajiKita said:beanielou said: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 -
beanielou said: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.1 -
Yes don't feel bad about giving items to charity. I used to follow Dave Ramsay when I was getting us debt-free and he advocates giving, so I always think of charity donations as part of giving and choose one close to my heart. I'm part of a facebook gifting group and have also taken things into the women's refuge and the homeless shelter. I'm really glad that others can make use of things."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/yoga3 -
SandyShores said:Yes don't feel bad about giving items to charity. I used to follow Dave Ramsay when I was getting us debt-free and he advocates giving, so I always think of charity donations as part of giving and choose one close to my heart. I'm part of a facebook gifting group and have also taken things into the women's refuge and the homeless shelter. I'm really glad that others can make use of things.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 -
For a week night I have had quite a productive evening:
- washing taken upstairs, hung and put away
- went through the recruitment paperwork for the parish council clerk prior to the meeting of the personnel committee (3 people! 😉) on Wednesday night.
- call with the guy who originally helped set up the house insurance policy - turns out @viv@ have stopped providing all policies to the broker - we have a bit of a plan:
-*- contact weed killer company to get them to confirm that we are JKW free
-*- contact @viv@ directly with the policy number and see if we can renew with them directly
- contacted the weedkilling company - they say they are coming out ‘soon’ to check for JKW - if we are clear of it we can have a certificate. I have grovelled and said we need to know / have the certificate before the end of next week! 🤞
- sorted one of the many, many drawers in my bedroom ….. only removed c. 50% of the contents …. Ho hum.And on a lighter note:I asked my dad what he would like for his birthday next month. After a couple of days I have just received this reply:“I realise that the hand-held electric beater you kindly gave me a couple of decades ago is, very unfortunately, nearing the end of its life. It has done extremely well – it still works and, indeed, I depend on it very heavily. But the outer casing is cracked and, occasionally, sparks and smoke are produced… so I suspect it would be prudent to consider a replacement of some kind rather soon? Something along those lines would be very warmly welcomed.”😂😂😂😂😂😂😂😂 As Mr KK said, only my dad would send an email like that! 🤷♀️🤩❤️😂
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 -
That was some list!Eeek to your dad though!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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards