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Mortgage free in Forever Home :-)
Comments
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Your mum sounds like she's being fab, both in dad control and unexpected gifts!
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 20252 -
Lovely windows and lovely momma xx"Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Thanks @beanielou, @savingholmes, @Merlin's_Beard, @SandyShores 😊
My mum is a dryly pragmatic sort - not very emotionally involved but determined to be helpful 😊
Had a little win I forgot to mention when I was out doing CS drop off, finding new library books etc yesterday. Whilst waiting for the library to open, I went to the local Country Market and a wood turner has started selling things there - I picked up a beautiful turned object (a kind of lidded pot that has a felt lining in the bottom half). My mum *loves* turned wood and this is a really unusual timber I have not seen before - Ripple Ash. That my Cmas present buying begun! 😊 I also found two 2nd hand books I found aaaages ago on Etruscan and Roman art, so that is my mother sorted 😊
Please excuse the lighting - writing this whilst sat in bed! 😉😂
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.6 -
What a find!
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That is a thing of beauty what a lovely gift for your mum2
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Thanks @badmemory, @Tescodealqueen 😊 I am pretty chuffed with it 😊
Currently roasting some of the squash and courgettes I also found at the farmers market yesterday, along with a red onion, garlic and the last of the tomatoes in the greenhouse, to be topped with halloumi for my lunch. The recipe I have found suggests removing the garlic cloves after the roasting and mushing them down into a dressing with balsamic vinegar - it will be interesting to see how that comes out. I have saved the seeds from the squash as I *think* they come true from seed so that will save me buying any of those to grow next year 😊
I have harvested a decent amount of hazelnuts (there are so many this year the squirrels haven’t had chance to get to them all yet! 😉) and am sitting on the sofa very slowly cracking and eating them 😊 Very nice.I have cleared a path to the bird feeder (rough weeding of patio and a bit of chopping back the contorted Hazel - hence how I spotted the nuts!) whilst Mr KK was chopping out to relocate a socket in the lounge (it would have ended up marooned behind our new radiator and making good the gap where the old one was along with putting up the rendering beads around the fireplace. 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
Well the garlic dressing was okay, once I had thinned it down with some of the juices from the roasted veg. Enjoyed that 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
Love your CS find.
The hazelnuts sound a real win tooAchieve 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:Love your CS find.
The hazelnuts sound a real win too
The hazelnuts are slow work to extract, but the means you eat them more slowly! 😉
Might go and do some blackberry picking this afternoon now that the sun is out - there were loads a while back but haven’t checked for a while. If there are I will turn those into a compote to have with yogurt 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
Got distracted by various bits of pruning and have embarked on the epic that is lifting the crown and bringing in the sides of the Contorted Hazel …. If you haven’t heard from me by tomorrow send help …..As at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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
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