We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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 :-)
Comments
-
Have a lovely, chilled weekend!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)1 -
KajiKita said:Booked every online groceries slot between now and Turkeyday so at least that’s sorted.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!!!1 -
Thanks @beanielou, @skint_spice 😊South_coast said:KajiKita said:Booked every online groceries slot between now and Turkeyday so at least that’s sorted.
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 -
Done the V5 wrestling. Although I was sent a link to submit further evidence, there was no attachment button so used the email it to them option …. 🤞
Reordered 2 x prescription items. I now have 4 and they are all out of synch in terms of consumption / renewal intervals … <sigh>
Mr KK is struggling with aches and pains after today. Think this weekend will see just one window installed. I think that’s enough! 😊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 -
The window is INSTALLED!! And it’s absolutely freezing in the living room as the wall and patio doors have been open all day … wood burner is now lit, so hopefully the chilliness will ease off soon … 🤞 It’s had an interesting effect on the room - made it feel bigger I think. Floof is currently sat on me, for reciprocal warmth I think.Failed to buy paint. Took the swatch / sample colour card with me and when they opened the tin after mixing, it looked really pale and waaaay too pink. Not sure if it is that machine (one of the dosing nozzles was somewhat stuck) or if it is just the wrong colour. There’s a fancy pants reclamation place in town that does interesting paint - I will have a look at that next weekend to see I can find something more like what we are looking for.Did manage to find two short curtain tracks - one for each new window. 👍 £52 though! 😳
Spent a nice amount of time in the garden today, both in the morning and afternoon. 😊 Cleared the dead sweet peas and took down the support. I think I need a new one next year, as the wigwam type I have is too limiting at the top for the plants. I might have a Google and see what other structure shapes are an option. Also started cutting back the prickly, prickly hedge (holly and hawthorn) that runs along the back of the veggie patch. Found a whole load of brambles swinging in from the hedge so pulled those out and chopped them up into lengths for bagging to go to the tip green waste skip, as and when we get the van pass … 😉 I can see that the parts of the garden that are sunnier in the winter will be the clearest and tidiest by next spring! 😉
Also found some onions! The brown ones were pretty sprouty so will need to be used quickly, but the red ones look pretty good - I had half of one (they are just little 😉) in my lunchtime salad 😊 Very chuffed. First time of growing onions from seed, I shall grow lots more of the red ones next year 😊Ended up laughing a lot in the English coaching session this afternoon. I suggested that my 15 year old Muslim student start doing some reading as more exposure to English can only help - I think it is mainly Arabic that is spoken at home (Syrian family by origin) and he also has formal Koran lessons which I think are also in Arabic. Unfortunately the book he’d chosen wasn’t the sci-fi he thought it was but a Stephen King adult fantasy. I read the first 20 pages this morning and thought ‘Really, you want to read this? I’m not so sure ….’ We got to a mention of crotch and balls shrinking like walnuts on the first page and I could tell he was excruciated! ‘What’s he talking about balls for, there’s no need for that!’ Because I had read on, I knew that within the first 20 pages the main character loses part of one foot and two fingers off his right hand to some horrible monster thing … 😳 and then consoles himself with the thought that he ****s off with his left hand …. I didn’t share this latter detail with him! 😂 We’ve agreed he will try and find another book for next week!! 😉
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.6 -
We have at least managed to agree on a new wall light for the lounge. Found a deal and bought through TCB. 😊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 -
I used to read a lot of Robert Heinlein at that age. The Moon is a Harsh Mistress might be good given he's likely to be confronted by prejudice - there's a lot in the book about disability and mixed race families talked about in a perfectly normal way. Not sure how well the treatment of women will fit into this century but Heinlein did have a lot of strong females so it may be much better than I suspect. Basic story (in case you haven't read it) is the residents of the moon revolt against their Earth based oppressors with the help of a conscious computer network.
fyi - Also read all of Stephen Kings stuff until it went really weird mid 80s. And also used to read a lot of Austin and the Brontes. Loved Silas Marner....I could go on and on.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇3 -
Thanks for the suggestion @Brie. We will be limited by whatever is in his school library but I will suggest it to him 😊
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.1 -
That book was in the school library 😳😳😳???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!!!1 -
South_coast said:That book was in the school library 😳😳😳???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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards