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Mortgage free in Forever Home :-)
Comments
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Thanks @savingholmes. I was the same about the first book too, it would have been a real exercise to read it with my coachee and me not to have nightmares. I was actually quite hoping that he’d picked it by mistake! 😉😂
My payment has landed in my savings account! 😊 As this coaching is taking some of my me-time at weekends I have decided to split it as half to OPs and half to me as ‘fun-fund’. So that will be £15 to OP later when I do the ££ shuffling.Yes, we do need a rest. Mr KK is a builder (carpenter) so kind of knew what we were getting into when we started the living room project, but two factors have stretched it out. Building up the hearth through the wooden floor to required building regs took a LOT longer (6 weeks) than he was expecting and the extra windows we needed because the moving of the patio doors made the room, dark has extended it as well. Original target date for all the structural work was end October. But we are getting there. And it will be worth it - using the room fully, having the hearth in the room instead of buried in the wall (much more warmth for the same amount of fuel), adding coving, improving the skirting, the view down the garden from the sofa - all big returns relative to the effort …. we keep telling / reminding ourselves! 😉
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 -
£15 OP done 😊
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 -
The work you are doing sounds great KajiKita, you have such a beautiful house and garden. And your OPs are amazing, I reallly need to get back on it but we've now finished in the garden and I've seen some furniture I want to buy - maybe one more month."Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
KajiKita said:Building up the hearth through the wooden floor to required building regs took a LOT longer (6 weeks) than he was expecting and the extra windows we needed because the moving of the patio doors made the room, dark has extended it as well. Original target date for all the structural work was end October. But we are getting there. And it will be worth it - using the room fully, having the hearth in the room instead of buried in the wall (much more warmth for the same amount of fuel), adding coving, improving the skirting, the view down the garden from the sofa - all big returns relative to the effort …. we keep telling / reminding ourselves! 😉
KK
Roll on the resting, though!2023: the year I get to buy a car2 -
Hopefully the end is in sight.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 -
beanielou said:Hopefully the end is in sight.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
⭐️🏅😇1 -
Thanks @SandyShores, @Karmacat, @beanielou and @Brie 😊
We are getting closer. As I rather hoped, Mr KK is taking tomorrow off work (the forecast is dry tomorrow and pretty wet all weekend) so I will transfer half his day’s wage to make up some of his money (he’s self employed). We have cleared the corner under where the window will go in and Mr KK has a plan to try and cut 4 inches into the surface of the interior blocks (was are INCREDIBLY ensue and hard - like nothing he’s ever seen before) from the outside and then use the hand lump hammer I bought for splitting kindling for breaking out the blocks. He’s hoping that this will create less dust as well as being quicker and he might get to the point of putting the lintel in tomorrow, which means the outdoor work for Saturday (in the weather) will be minimal.Other small wins:
- FINALLY posted the book parcel this evening on the way home from work (first night I have finished work on time since I have had the label) - 🤞that WBB still accept the books!- small payment from WR8 on its way via PayP - £1.20-something - will become OP when it appears- new microwave plate has arrived, in one piece, and fits perfectly. Mr KK was impressed (that takes some doing 😉)
- Christmas present for my dad has arrived and is dense type so should keep him busy for a bit 😂
- had ideas on some bits for Mr KK fro Christmas - some he knows about, some he doesn’t …. 😉
- book for my Saturday coaching sessions has arrived along with the latest homework so I am set for Saturday’s session. The good thing is the Zoom option seems much more stable than the Teams - had all kinds of issues with that.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.5 -
Forgot one. A Very Serious Envelope arrived for Mr KK, putting the fear of whatsit into him ….
Upon opening it, we now have the passes, one per month for using the van to to to the tip for between now and March! 🎉🥳🤩
Feel quite proud of passing that bureaucratic test! 😉
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.5 -
I laughed at the permits, we had to have one of those for my old Land Rover here because it was a 'commercial' vehicle (a 110 county with windows!)
My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
Woohoo.It’s the wee things.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.3
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