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Mortgage free in Forever Home :-)
Comments
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beanielou said:I bought toilet cleaner from a refill shop & sadly it is not up to the job.
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.2 -
Your move 4 years ago sounds exhausting!I have started on the minimalist game again though all my travel is not helping
However you have reminded me I do need to declutter a lot - my serious collection of shoes need to be slimmed down to those I love and wear - I have maybe 20 pairs that have not been worn ever or I don’t really like them - I need to get on Vinted
plus one of my wardrobes is full of clothes that I wear maybe 10% .. I need to be brave - some is old style stuff or office wear I don’t really wear
I do know I don’t need to be dragging old stuff to a new apartment
your garden looks v promisingDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest4 -
KajiKita said:@skint_spic, @beanielou, you mean those creatures that don’t really need and are far superior to Hoomans ….? 🙄😉😂😂😂😂❤️
KK
As for the toilet cleaner…I can’t remember if it is a lab environment where you work but if so a squoosy bottle like the ones used for deionised water might work for toilet cleaning, usually quite small but you could refill…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)2 -
@beanielou loving that word ‘squoosy’ - brilliant! 😂😊❤️
Our cat varies between being omnipresent aka nosey and aloof, ‘Don’t touch. Me!’ 🤷♀️❤️😂
I think she is getting more trusting and interested in us as she gets older 😊
@LadyWithAPlan - it was genuinely horrid, for all kinds of reasons. I wanted to be excited and happy about our new home but I was almost hysterical with fatigue and Mr KK was sliding into a kind of exhausted depression. We both, never, ever, ever want to move again! Hence why we are working so hard now, with our small budget, to make the most of what we have. 😉😊
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:@beanielou loving that word ‘squoosy’ - brilliant! 😂😊❤️
Our cat varies between being omnipresent aka nosey and aloof, ‘Don’t touch. Me!’ 🤷♀️❤️😂
I think she is getting more trusting and interested in us as she gets older 😊
@LadyWithAPlan - it was genuinely horrid, for all kinds of reasons. I wanted to be excited and happy about our new home but I was almost hysterical with fatigue and Mr KK was sliding into a kind of exhausted depression. We both, never, ever, ever want to move again! Hence why we are working so hard now, with our small budget, to make the most of what we have. 😉😊
KKDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
@LadyWithAPlan, it is definitely worth considering how you will approach it. Decluttering is a good place to start, but could you gain access to drop some stuff off before official moving date? We couldn’t even though we were obliged to insure the property from the date of exchange - never understood that and that was an extra circle of admin and cost due to the never-ending-gift of JKW. Also think about who could help. As well as packing and moving you will also want to clean at both ends of the move and I would run your tenancy on for a week beyond moving date to give you that time to clear down and clean to get your deposit back (I did that and I was soooo glad that I did!).In the meantime, how is the transcription going ….? 🤔😊
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 -
KajiKita said:@LadyWithAPlan, it is definitely worth considering how you will approach it. Decluttering is a good place to start, but could you gain access to drop some stuff off before official moving date? We couldn’t even though we were obliged to insure the property from the date of exchange - never understood that and that was an extra circle of admin and cost due to the never-ending-gift of JKW. Also think about who could help. As well as packing and moving you will also want to clean at both ends of the move and I would run your tenancy on for a week beyond moving date to give you that time to clear down and clean to get your deposit back (I did that and I was soooo glad that I did!).In the meantime, how is the transcription going ….? 🤔😊
KK
I have so much stuff (2 bed flat inc all kitchen white goods) that I will need prof movers
Transcription not moving -although I did think about it this morning - been travelling a lot for a short term contract - and then it takes a moment to resettle and then off again - so was in Europe 5 days last week, in London for 2 days, then out London for family thing - so thats 5 days here, then back to London tomorrow and maybe leave for the US at the weekend/Monday for a week... maybe try to extend for a couple days for a personal break as never been to Nashville or New Orleans so might fly there after - although I am normally in Miami in Jan for work which is nearer to both though weather not as good. I love to travel especially paid by someone elsebut it does leave home stuff unsorted.
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1 -
@LadyWithAPlan, ah, well you’ve been busy. It will keep I’m sure 😊
FWP - need to think of what to wear on Saturday night when I go out for dinner with Mr KK (he is treating me for my birthday on Monday - having already added to my compost bins 😊). My black jeans seem to have got some bleach or similar on them and I rarely wear anything else to go out in …. Don’t want to spend money …. Will have to ferret through my wardrobe for something he won’t be embarrassed to see me in - when not in work my taste tends towards the flowing / slightly hippy which excruciates Mr KK 😉😂
Finally, after several weeks have reached enough points to cash out £20 on Pr1me opinion so have sent that off as an OP 😊 (appeared in PP immediately 👏👍).
Refund of £39.20 has appeared in my account from Lands Stop so that offsets the £4.90 return cost.Steady progress being made on the living room. The additional two windows have arrived and Mr KK has been drilling the walls to mark out where he will be making the openings. He’s taking Friday off with the intention of finishing the surround stonework for fireplace and then we will, finally(!), be able to put the mantlepiece in place 😊❤️
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.2 -
Amazon and some black washing machine dye for the jeans? Or a black sharpie pen!My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
Mr Redo is still cross that some years ago I used Milton instead of distilled water in the steam press on his black Levi's and it bleached sixteen lovely pink spots 🤣🫣My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2
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