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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 7,820 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    £15 OP done 😊

    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. 
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    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/yoga 

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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 
    This sounds wonderful, especially adding warmth for the same amount of fuel, such a good decision.

    Roll on the resting, though!
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Brie
    Brie Posts: 14,855 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    beanielou said:
    Hopefully the end is in sight.  
    And when the end is reached there will no doubt be something else that will be started up - it's inevitable!!!
    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
    ⭐️🏅😇
  • 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!)

  • beanielou
    beanielou Posts: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
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