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Mortgage free in Forever Home :-)

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Comments

  • skint_spice
    skint_spice Posts: 13,633 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a lovely, chilled weekend!
    Mortgage OP 2026 £50/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,546

    Make £50 a month Jan £20
    Boiler fund £925/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • South_coast
    South_coast Posts: 6,193 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    Booked every online groceries slot between now and Turkeyday so at least that’s sorted. 
    I hope you've left some for other people 🤣!
    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: 9,187 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @beanielou, @skint_spice 😊

    KajiKita said:
    Booked every online groceries slot between now and Turkeyday so at least that’s sorted. 
    I hope you've left some for other people 🤣!
    😂😂😂😂😂😂 Sorry, one slot, every Saturday, between now and Turkeyday! 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 2 books of target 52 in 2026 as @ 4th January 
    Produce tracker: £10 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 9,187 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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! 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 2 books of target 52 in 2026 as @ 4th January 
    Produce tracker: £10 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 9,187 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    We have at least managed to agree on a new wall light for the lounge. Found a deal and bought through TCB. 😊

    KK 
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 2 books of target 52 in 2026 as @ 4th January 
    Produce tracker: £10 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Brie
    Brie Posts: 16,101 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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

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    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
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  • KajiKita
    KajiKita Posts: 9,187 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks for the suggestion @Brie. We will be limited by whatever is in his school library but I will suggest it to him 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 2 books of target 52 in 2026 as @ 4th January 
    Produce tracker: £10 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • South_coast
    South_coast Posts: 6,193 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    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!!!
  • KajiKita
    KajiKita Posts: 9,187 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That book was in the school library 😳😳😳???
    Shocked me too! I thought it was a bit unfair on him really. 

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 2 books of target 52 in 2026 as @ 4th January 
    Produce tracker: £10 of £400 in 2026

    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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