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Mortgage free in Forever Home :-)
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Had a good day today 😊
Big lie in followed by a brew in bed (our Sunday morning treat). Made a veggie batch of bolognese before lunch - added boxed precooked cannellini beans and then put 60g dry green lentils in once the juicy veg (two sweet peppers and 450g of mushrooms) had released their liquor. It’s come out well. Oh and if anyone remembers my experiment of putting the onions, shallots and garlic in the cupboard instead of out on the work surface under the under unit LED lights, they are definitely less sprouty / lasting longer.Mr KK’s washing dried properly in the line, so that is all away. Two ex colleagues from 3 jobs ago came over on their old bikes for a ride out and we sat in the garden with tea and scones and dragonfly fly-pasts 😊❤️ Mr KK gets on quite well with the. As they can all talk old bikes to the nth degree …. 🥱 🙄😉😂
Got a crumb of time then, in the veggie patch and started clearing down the scrag ends of the runner beans. I found hanging treasure! ❤️🤩 I have enough seed to sow again next year for free! I shall add the cost of these seeds, if I were to buy them, to my produce tracker! I have some relatively bulky pods that are still green, so shall try drying them for a couple of weeks and see if they produce any more decent sized seeds.Note for next year: put half of the runner bean patch to runner beans eaten fresh and at least four stations for growing drying beans …. 😊
Still have all my food to prep for work tomorrow and I need to portion up the ‘bolognese’ for feeezing, but I am already showered as Mr KK is cooking tonight 😊
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 -
Well done on the lawn planting project, the outdoor washing drying and the harvesting. All sounds good.
Totally with you on how daunting mortgages are at the start - and the impact MSE has for making things easier.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 29/7/251 -
savingholmes said:Well done on the lawn planting project, the outdoor washing drying and the harvesting. All sounds good.
Totally with you on how daunting mortgages are at the start - and the impact MSE has for making things easier.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.1 -
I am starting this week with fresh focus and purpose! I have realised how much head space and time that job application took from me and I haven’t done any decluttering / rearranging or any other activity in my bedroom in over a week after initially making quite good progress. So, time to get back at it! The first thing I am going to do is try to move the remaining contents of the chest of drawers that I want to empty across to the other two CsoDs - I suspect that this will lead to more decluttering …..
Also need to write and post and post my dad’s birthday card (he safely received, but hasn’t yet opened his new mixer, some weeks ago 😉).
Also, want to talk to one of my team about organising a secret Santa for my team this year - I bought each of them a personal present last year (it was a very tough year we had been through together!) but that would cost me more than I am willing to spend this year, with the growth of the team, so a cake lunch and secret Santa sounds like a reasonable compromise to me …. 😉 Also, if this team member organises it rather than me, the most bah-humbug member of the team will feel obliged to join in, in a way that he wouldn’t if I organised it. Me, manipulative? Maybe ….. 🤔😉😂
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 -
KajiKita said:I haven’t done any decluttering / rearranging or any other activity in my bedroom in over a week after initially making quite good progress. So, time to get back at it!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!1 -
South_coast said:KajiKita said:I haven’t done any decluttering / rearranging or any other activity in my bedroom in over a week after initially making quite good progress. So, time to get back at it!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 -
My dad’s birthday card written and dropped in the post box, with an old 2nd class Christmas stamp on it! 😊Decluttered a box that has been lurking in the kitchen for aaages and stashed the contents in a kitchen cupboard that is correct for that type of item (muddley, but correct! 😉😂).Got all my breakfast, lunch and snacks sorted before / during cooking tea 😊Having a brew and then will consider what ‘activity’ to attack in my bedroom …. 😉😂😂😂
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 -
Like your secret santa idea.
Good luck with your next decluttering mini project - just tackle a drawer at a time and see progress.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 29/7/251 -
Did one drawer, the top one, in the CoDs I want to get rid of and realised that the bottom drawer is already empty! 😊 I have too many knee high socks - tomorrow night’s job might be to assess them for wear and see which ones are actually worth keeping.Logged my broad bean seeds, by variety, on my produce tracker, another £6 or so 😊
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 -
Wayleave cheque had cleared. £76.67 OP sent off along with a 53p TT of the joint account 😊
Big posh machine in work is going to be installed on 25th October - 3 weeks early than expected!! Squeeeee! 👏😊 Everyone now scurrying about to do the needed decorating and the final install details such as power and air! 😉😂 I have also found out how to get a new sign for above the door of the room (little details but they matter 😉)! 😊❤️ My team are proper excited.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
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