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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Amazon and some black washing machine dye for the jeans? Or a black sharpie pen!
    I tried some mascara (don’t judge me - in a total rush to meet a friend and that was the only black thing I had with me! 😂) but that wasn’t a blue enough black. Sharpie would probably be better 😊👍

    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: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 🤣🫣
    That must have been a real ‘Arrrgh!’ moment! 😳

    This is why, well one of many whys, that I don’t iron! 😂😉

    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. 
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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 🤣🫣
    😂    😂    😂
    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.
  • 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 🤣🫣
    ouch...KajiKita said:
    @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 😉😂



    KK flowing/slightly hippy sounds great and v my style during the summer at least  - what does Mr KK want fashion wise?? At least he sounds great at DIY!
    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#latest
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    He is a keeper then   <3
    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.
  • South_coast
    South_coast Posts: 5,898 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I, on the other hand, get BF moaning that I look too conventional 🙄 "Glitzy" is his preferred way that I should apparently look - I mean, what does that even mean 🤷‍♀️?
    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!!!
  • KajiKita
    KajiKita Posts: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I, on the other hand, get BF moaning that I look too conventional 🙄 "Glitzy" is his preferred way that I should apparently look - I mean, what does that even mean 🤷‍♀️?
    I would read that as semi formal, quite femininely styled clothing and footwear with dressed hair and significant make up and nails, along with sparkly jewellery. (All the stuff I never do! 😉😂)
    But, it’s very open to interpretation. 
    I would ask him a) what he means by it and b) what he likes about it. Being asked about it and having to explain it, might help challenge his expectations of your appearance?

    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: 7,826 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    £5.38 cashed out from QM33 and a further 250 points gained on Pr1me opinion so well on my way to my next £5 there. I think this month has been better for survey income - I shall do a tot up in early November compared to the previous three months and see how I‘ve done. 

    Had a chat late last night with a colleague in the US about how to give ‘blunt’ feedback to a customer where they have massive over expectations of the life span of one of our products, and have woken this morning with some lovely oleaginous words and phrases to fluff up the ‘to the point’ draft I created yesterday. I think this is going to work …. 😊

    Payday today 🎉🍾🥳 so will do a money shuffle this evening, including paying off the CC balance for the month and topping up various savings pots and see if any additional OP is possible. I suspect not, due to house spend over the last month, but …. 🤞

    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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