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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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! 😊

    KK
    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. 
  • skint_spice
    skint_spice Posts: 13,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £6250/7000
    Mortgage 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)
  • Cheery_Daff
    Cheery_Daff Posts: 17,223 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 😂
  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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.
    Most of what I want to sell are old chains or bangles that the clip doesn’t work too well on - I have no idea where these have come from, I would have never chosen them myself and I don’t remember anyone buying them for me. 🤷‍♀️
    I will (nervously) try selling selling some of the bigger pieces myself. D’you think Fleabay or FBMP would work best for this?

    KK
    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. 
  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 😂
    I have to say, once you start and really commit to it, it is very cathartic! I am clearing out so many negative reminders of my past and only keeping the things that I use or give me joy.
    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) 😊

    KK
    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. 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • KajiKita
    KajiKita Posts: 7,806 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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! 😉

    KK
    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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,223 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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🙈 😱
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