Got chuggered at the petrol station on my way home. Just what I didn’t need and he was really grumpy with me, in spite of me being polite to him. 😢
Proper tired. Looking forward to bedtime!
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Mortgage free in Forever Home :-)
Comments
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@beanielou - warm tootsies! 🤩❤️😂
@LadyWithAPlan, I have been realising recently that I have been ‘doing my professional thing’ for 30 years now …. Rather a sobering thought! 😂
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Loving the cat pics. Miss Feral has not stirred herself from the king sized bed yet!Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
Well, why would one, when the weather is so inappropriate for maintaining one’s elegance and dignity. Noone likes having one’s fur ruffled …. 😉😂❤️Watty1 said:Loving the cat pics. Miss Feral has not stirred herself from the king sized bed yet!
Made a small step forward: packed up the books and got them in the car to hopefully send off tomorrow (never done an Evri drop off before so not exactly sure how it works ….) 🤞
Cashed out £2.48 from weareate - that will take a few days to turn up.Also earned enough points to cash out £5 from Pr1meO - that has already been sent off as an OP. Good start to the month 😊
Changing my sheets tonight and will continue reading The Salt Path 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Evri drop off didn’t work. Apparently I need a QR code but so far I haven’t seen one anywhere on the app / in the process … 🤷♀️🙄🤔KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
I loved that book - hope you enjoy it too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/252 -
It’s an interesting mix of the horribly bleak, resilience and sparkling writing so far.savingholmes said:I loved that book - hope you enjoy it too.
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Hit 10K steps! 😊
I spent some money on myself today - bought a new pair of jeans and a top. First non-work clothes I have bought in c. 3 years.Also, managed to find a new naiil brush, beeswax polish for our new mantlepiece and black dye for my old jeans. Not sure if the latter will work, but what do I have to lose? 🤷♀️😊
THE CHEST OF DRAWERS HAS (finally) LEFT MY BEDROOM!!! 🎉🥳🍾🤩😊
This has exposed some other areas of mess to deal with, but that can be followed up on 😉KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
I tidied up my bedroom yesterday and it makes me happy everytime I come into the room, sadly there is further culling required yet…Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Woohoo on the chest of drawers
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.2 -
Had another good day 😊
- Mr KK sanded down / wire wooled the mantlepiece and then beeswaxed it and it looks perfect now 😊❤️🤩
- I did my dreaded cleaning chores 👏
- various laundry tasks
- cooked a batch of farro wheat and portioned up to freeze so I have portions of resistant starch, high fibre, high protein ‘stuff’ to dress soups etc with
- requested a pass for Mr KK’s van to use the local tip so we can stop using my poor little car! (Been meaning to do that for months and we have a whole load more rubble due to appear soon, with the installation of new windows …)
- had a session in the garden - got the next batch of germinated Broad beans in the ground (the bed is full now) and 4 packets of bulbs; carmassia, glory of the snow and crocus 😊
- cooked a ‘concoction’ as a batch for work lunches (recording here for reference):
~~ 250g mushrooms chopped fairly finely
~~ 2 chopped, mid sized red onions
~~ good dollop of garlic
~~ 2 tins chopped tomatoes
~~ two small bay leaves
~~ pack of ‘sunflower hack’
~~ 1 cup of water
~~ good squeeze of tomato puree~~ cook down for an hour and then added the cashew cream that has been lurking in my freezer for months from the aborted management team building cooking thing that never happened … 🙄
Tastes okay actually 😊👍
- listed the chest of drawers on FBMP and had a bite within 30 minutes and it has just gone, for £50! 🎉😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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
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