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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 7,823 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It’s kind of hard to describe @beanielou, it’s a kind of soft, beigey-red-pink. It will go well with the stone we are using. If I can get a ’true’ photo of it in daylight tomorrow I will try and show you. 

    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: 13,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Eek to the mouse but it shows she loves you both 😂 my cat is very vocal so prefers to tell me things😂 mainly that I should never go anywhere without her, we must go to the loo together…
    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: 95,692 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have two with me skinty 😹😹
    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: 7,823 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @skint_spic, @beanielou, you mean those creatures that don’t really need and are far superior to Hoomans ….? 🙄😉😂😂😂😂❤️

    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. 
  • I have been using Nancy Birtwhistle cleaning recipes for a while now. I really rate the ones for fabric conditioner, multi surface and her magic cleaner although I make it with half the amount of citric acid and store it in an old washing up liquid bottle.
    Looking forward to seeing the paint choice!
  • KajiKita
    KajiKita Posts: 7,823 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 22 October 2023 at 6:02PM
    Had quite a positive and productive day 😊

    Cleaning chores done. 🥱 Mr KK’s washing done and it almost dried on the line apart from an unauthorised, brief rain shower! 😉 All dried, folded and away upstairs again 😊

    Cleared the top of the first chest of drawers and then cleaned and cleared down the second one as well. I ran out of steam at that point (it did take about 2 hours! 😳). I have so many books to read it’s ridiculous 😂 Cheap novels that will cycle back through the CSs and a goodly heap of gardening books - happy sigh ❤️
    Had a clear out of the painted cabinet that I have dedicated to what I call my spiritual books - hoicked out loads (I am never going to engage with deep Zen meditation or Hinduism again I am delighted to say 😉 so those have all gone). More general books on meditation, shamanic practice and kindly Buddhist writers remain 😊😉
    Sent two pictures of the books I was thinking of clearing out to my Buddhist friend and she is having just one of them! 😂 I will send the photos onto another friend to see if she wants any of them, and then I can get rid with a clear conscience. 

    Had a good session in the garden this morning and afternoon, going hammer and tongs at the section of border under the contorted hazel, on the other side of the path from the sit spot border. Got a load of plants in the ground (the ones I bought last weekend, ‘found’ bulbs, excavated and cleaned up aquilegia and pulmonaria) and mulched lightly with some shop bought compost to reduce soil splash. Mr KK said it was nice to see it becoming a flower border ❤️

    Mr KK has come early enough to cook tonight so I will have relatively relaxed evening 😊

    Border as it looks now (light levels very low so not a great image): 

    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: 7,823 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I have been using Nancy Birtwhistle cleaning recipes for a while now. I really rate the ones for fabric conditioner, multi surface and her magic cleaner although I make it with half the amount of citric acid and store it in an old washing up liquid bottle.
    Looking forward to seeing the paint choice!
    Argh! Dahnabit! I forgot the citric acid yesterday - doh! 🙄😂

    Thank you for the reply though 😊 As you are using these concoctions, can I ask about toilet cleaning? Do you find these home preparations effective for that task? I currently use a plastic bottled cleaner that ‘squirts up under the rim’ and would like to transition away from these shop bought options (I really dislike the horrible, lingering chemical smell), but wondered whether the toilet would stay clean without the ‘under the rim’ application? Or is that just a gimmick?

    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. 
  • It absolutely is.  The ‘squirt above the rim’ is why I ended up using a washing up liquid bottle (small ecover one). Then I can just about direct it under the rim then immediately brush it all round.  I now have a new toilet (and bathroom- hurrah!) but I originally inherited an old toilet that was covered in limescale. It shifted it all.  Also, I use about 15 drops of eucalyptus oil, which is just about right for a pleasant but not overpowering scent.

    Really enjoying your photos of your garden btw- the pulmonaria is going to look beautiful in the spring 😀
  • beanielou
    beanielou Posts: 95,692 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I bought toilet cleaner from a refill shop & sadly it is not up to the job.
    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: 7,823 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It absolutely is.  The ‘squirt above the rim’ is why I ended up using a washing up liquid bottle (small ecover one). Then I can just about direct it under the rim then immediately brush it all round.  I now have a new toilet (and bathroom- hurrah!) but I originally inherited an old toilet that was covered in limescale. It shifted it all.  Also, I use about 15 drops of eucalyptus oil, which is just about right for a pleasant but not overpowering scent.

    Really enjoying your photos of your garden btw- the pulmonaria is going to look beautiful in the spring 😀
    Thank you - I will see if I can rob one of the small washing up bottles that they use in work (once empty) for that particular application 😊

    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. 
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