📨 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 :-)

1157158160162163639

Comments

  • skint_spice
    skint_spice Posts: 13,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds a pretty garden centre!
    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)
  • beanielou
    beanielou Posts: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A quiet day here but did manage to get two loads of washing dried on the line.
    It's the wee things  

    My bag for FRiday's trip to the charity shop started!
    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: 7,820 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sounds a pretty garden centre!
    It was 😊

    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: 7,820 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    A quiet day here but did manage to get two loads of washing dried on the line.
    It's the wee things  

    My bag for FRiday's trip to the charity shop started!
    Whoop and well done 👏 😊

    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: 7,820 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 15 October 2023 at 7:34AM
    Having a quiet and lazy start to the day here. Mr KK has headed off to Newbury with his best man to (hopefully!) sell lots of stuff at a regular militaria sale. I meanwhile have come back to bed with a cuppa and have earned another £5 on Pr1me Opinion and have sent it off as an OP. Have to earn another c. 500 points and then get £20 hopefully. Cycling through the survey providers seems to be doing the trick to increase my earnings a bit …. 

    Waiting for the first of Mr KK’s washing loads to finish (the really filthy, stone dust covered one) - that will go out on the line as I start the next one for him. There is much laundry folding, sock pairing and putting away to do from yesterday. I would like to clean the water jug and change the filter, empty the kitchen bin and eat non-carby, non UPF food all day. I haven’t watched Gardeners World from Friday evening yet, so will watch that over breakfast and breaks. 

    I want to do something more proactive / productive/ effective with my savings, so will split out c. £5K to something high interest / one withdrawal a year, £5K PBs (just for the fun of it! 😉) and leave the rest where it is, so I can get to them quickly if needed. My savings tracker sheet will need some tweaking to accommodate all of this. 

    I think it’s time to start on the tops of the chests of drawers and rationalise / clear them so I can shuffle things around to remove the empty one. At the moment it has an ornate old fashioned three section French mirror on it and is acting as my dressing table - the one next to it would work just as well as a dressing table, but needs the stuff moving off it to the third one …. which is covered in books. So, I need to start on the third one and work back …. (Forgive the waffle but it’s actually been quite to ‘think this out’ on here! 😊)

    Hoping also to spend some time in the garden clearing and planting - broad beans down by the greenhouse and the purple leaved shrub I bought yesterday in front of the contorted hazel. 

    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: 17,231 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm imagining your bedroom like some kind of furniture shop with 17 dressing tables in a row 😂

    Good plan to do something extra with savings 😊
  • KajiKita
    KajiKita Posts: 7,820 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Done some good stuff today 😊
    - water jug scrubbed and reusable filter set up again
    - kitchen bin emptied and wiped down
    - kitchen sink scrubbed - Mr KK wipes up water spills after doing the washing up each night, but the grease and limescale that builds up eludes him 😉
    - kitchen and section of conservatory floor to outside that attracts all the little stones from the drive on all our feet and paws, swept and spot mopped
    - reactivated my PBs account which usefully still existed - £25 sent over to it from immediate savings, need to juggle a bit more to get the £5K in there. Looked at cash ISAs as I don’t have any but it made my head spin - none of them seem that good 🤷‍♀️
    - cat sat on me - we both fell asleep on the sofa for a bit! 😳🤷‍♀️❤️😊
    - topped up my windscreen washer bottle
    - pruned Mr KK’s beard (at his request!) 
    - two loads of Mr KK’s washing dried (mainly on the whirlygig - which doesn’t whirl any more so I have to rotate it periodically 😂), folded and back upstairs 
    - my washing mainly wrangled - one small pile to take upstairs and hang up  
    - did work on the border under the contorted Hazel but after two hours had only cleared c. 1m2 so gave up on that and got my broad beans in - much easier and more satisfying and I can sow the next batch now. 

    Mr KK made £265 at the sale after expenses today, and is hoping to make more next weekend as that is the proper militaria sale whereas today was more of a car boot (and as usual, Mr KK’s best man made them late, so a lot of the money had been spent by the time they got there). He has also vacuumed the whole house when he got home 😊❤️

    Broad beans:


    Plants plonked in clear patch of Contorted hazel border to show intention! 😂:


    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. 
  • My Marcus cash isa is 4.6%. Was easy enough to open etc. worth it for me or I'd be paying tax on the interest elsewhere. 
  • KajiKita
    KajiKita Posts: 7,820 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    My Marcus cash isa is 4.6%. Was easy enough to open etc. worth it for me or I'd be paying tax on the interest elsewhere. 
    Thanks for the heads up. Will have another try … 😊

    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. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.