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Mortgage free in Forever Home :-)
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c. 50% declutter of every drawer in my bedroom completed. The next step will be to timing all contents into ‘remaining’ two chests of drawers but that’s another day’s job! 😊 Found the pair to one of my most favourite pair of earrings that I have been missing for c. 3 years! ❤️ I nearly chucked one away c. 12 months ago but couldn’t bring myself to do it … I have lots of jewellery to get rid of. As per @skint_spice’s advice I will clean up and personally sell some of the chunkier bits and just scrap in the rest. Three way split on all funds earned - OP, savings, fun-money 😊Plumber has been and fitted radiator. Asked how to reduce the temperature of the hot water from the boiler. After a lot of back and forthing, I worked it out - now set to 50 degrees C. He was kind to our cat when she was freaking out every time she encountered him and gave her space to get away from him before he moved 😊Tomato plants removed from greenhouse. Sowed the broad bean seeds. Potted on various winter veggie things - they need to go out soon so must get on with clearing some ground for them.Various domestic goddessy things such as two loads of washing almost dried on the line and the Tesco’s shop wrangled and put away.Quick trip to plant centre this afternoon to restock on compost. Bought a ridiculously bright and vivid salvia which is now in the front garden with some gloriously clashing other bright colours, so I am cheered from my kitchen window. 😊Now tired! 😊
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.4 -
I had a wee look KK and most sites are suggesting around 50p a gram for silver so still best to sell as an individual piece if possible.
Well done on finding the other earring - a wee bonus.Mortgage OP 2025 £6250/7000Mortgage 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)3 -
Very impressed with your decluttering! I am watching you and LadyWithAPlan with interest, and will be joining in with my own decluttering challenge starting tomorrow, of the 1 item on day 1 variety. I've already been eying up the mountain of pens on my desk for some easy wins, and my underwear drawer won't be far behind 😂2
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skint_spice said:I had a wee look KK and most sites are suggesting around 50p a gram for silver so still best to sell as an individual piece if possible.
Well done on finding the other earring - a wee bonus.
I will (nervously) try selling selling some of the bigger pieces myself. D’you think Fleabay or FBMP would work best for this?
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 -
Cheery_Daff said:Very impressed with your decluttering! I am watching you and LadyWithAPlan with interest, and will be joining in with my own decluttering challenge starting tomorrow, of the 1 item on day 1 variety. I've already been eying up the mountain of pens on my desk for some easy wins, and my underwear drawer won't be far behind 😂
The underwear drawer is, bizarrely, one of the best so far. I think it’s because I interact with it every day and it is one of the first things interact with too.The potting shed was good one too, as it is self contained and it allowed me to (finally) effectively stack and store tidily all my trays and multi modules. Mr KK was quite taken aback as usually my potting shed is as muddled as his garage! 😉 There is more to do in there - much cleaning of old plastic labels ready for reuse, but no urgency on that.savingholmes is the one who inspired me to start all this, along with Stacey Solomon’s ‘Sort your life out’ (on I-player) 😊
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.4 -
Hi KK - glad I was a positive inspiration. If my planned move comes off - I want to commit to another wave of decluttering so I only take things to the next place I truly value. While I'd plan to replace the kitchen it only seems to have 5 cupboards and I didn't spot any drawers so I'd need a very significant declutter to cope in the interim. I broke a plate today - does that count as decluttering?
It's difficult with careers isn't it and deciding what the right balance is? I find I have different levels of energy at different times - so sometimes it's a breeze and others it's a slog. The part that worries me on your behalf is that you seem to be becoming ill every break which suggests you are running on adrenaline. Although some people dismiss it as pseudo science - if you look up adrenaline fatigue - and the role vit C might play in alleviating it - it might help you.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 -
I started my vitamin C the other day for the winter.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.3 -
Thanks @savingholmes and @beanielou.Fwiw, I take vitamin C all year round and add echinacea from October to the end of March.I think there will be be second wave of decluttering as I rearrange everything, and realise I still have too much stuff! 😉
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.4 -
I've now started watching that programme so thanks for the recommendation! Definitely can get rid of plenty of stuff (although we are very well organised compared to some on the programme!)
Dread to think what the contents of our house would look like laid out in a warehouse though🙈 😱3 -
There’s one episode, in the third series I think it is, where it appears reasonably uncluttered on the surface when walking into the house, but every cupboard is in utter chaos. I think that is where we are / have been.I would have liked the chance to ‘do the warehouse’ - I think it would helped Mr KK understand quite how much stuff he has and how many duplicates there are within it all … Pulling stuff together has been informative for me - I knew I had one fleecy blanket, possibly two …. Nope, I had six!! 😳😂😂😂😂
I am loving the feeling of space it is opening up for me … 😊
Still, mustn’t complain about Mr KK - he is doing his own version of decluttering …. Polishing c. 200 x 20mm brass cannon shells, identifying them all, where made, when etc., keeping the best and selling the rest! (I have to confess, I am quite impressed 😊)
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.5
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