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Mortgage free in Forever Home :-)
Comments
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I did laugh at that book - and also confused as to why it’s in the school library
what was the Dale Carnegie coach session like - a work related or personal thing ?Your DIY sounds like a long slog - living in a less is never fun - but sounds fabulous to enjoy for XmasDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1 -
Someone taught me that one recently 😉Tescodealqueen said:That’s the sort of thing my oh does. Someone I know used to say it was Picnic (problem in chair not in computer)
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.2 -
The DC session was a work thing for a Women in Leadership training thing the organisation is doing. It was quite fierce competition to get onto it and I’m not sure I’m making the most of it due to lack of time, but the 360 was interesting. I was shocked and quite telling to me that I got distressed when I was talking to the coach about my feedback and talking about how impossible the job has been for the last two years. It made me realise how little I trust my line manager - not in an ethical or strategic sense, but with my soul, iyswim. I have been genuinely somewhat traumatised by it - I don’t think that is an overstatement,LadyWithAPlan said:I did laugh at that book - and also confused as to why it’s in the school library
what was the Dale Carnegie coach session like - a work related or personal thing ?Your DIY sounds like a long slog - living in a less is never fun - but sounds fabulous to enjoy for XmasYes, this DIY project has been a very long slog - Mr KK found an initial photo he sent to the building inspector when he first started ripping up the lounge floor to start the new hearth …. 15th June! No wonder we are both so tired and the house is such a pigsty! Even Mr KK is saying it’s minging - he’s normally oblivious! 😂😂😂 We are now starting to struggle to find things, which is annoying. We were both excited this evening that we found Mr KK’s recipe folder so he could make chicken fricasse for himself this weekend 😉😊 However, the brush attachment for the Henry has completely vaporised! 😉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 have cancelled my lunch with my friend tomorrow. I have to be in too many places at once tomorrow and wouldn’t be able to relax and we are both shattered. We are going to rearrange for next weekend 😊
Rough plan for tomorrow:
- low carb, high protein breakfast
- head in one direction to collect prescriptions
- head significantly further in diametrically opposite direction to look in posh reclamation place for possible paint for wall behind fireplace. (I can ‘see’ the colour in my mind’s eye but can’t seem to buy it!) If that is unsuccessful, head out still further to weird cheapo but useful DIY shop on outskirts of town and try there, time permitting.
- 10.30am sharp, head down to fundraiser at the chapel in the village (main social hub though I don’t attend) - buy cakes, catch up with PCouncillor who persuaded me to join to discuss the possible new clerk and how to support / encourage him
- 11am get back home for Tescos delivery - wrangle groceries
- lunch
- possibly go and collect a bookcase Mr KK has found that might go nicely under the second new window….
- review English coachee’s homework and read first 50 pages of his new book
- English coaching session
- Chinese takeaway
In midst of all of the above, financial updates, washing, drying and keeping Mr KK well hydrated.
Plan Sunday ….
KK
As 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 -
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.1 -
Have a rest at some point KK, it sounds exhausting!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)1 -
Says you! 😂😉😊skint_spice said:Have a rest at some point KK, it sounds exhausting!
(I will, honest 😊).- breakfast had
- monies updates done - more on that later
- homework marked
- first wash on - need to retrieve and put next load in
- next - draw face on and go out into the world …. 😉
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 -
Surprisingly productive morning 😊
- Got my prescriptions
- found possible paint colours
- attended chapel coffee morning / fund raiser (just found out by WhatsApp call that I won first prize on the raffle! 😂)
- wrangled groceries delivery
- bagged up and froze Mr KK’s fresh sausages that have been lurking in the bottom of the fridge since Thursday 🙄
- put some radish in water to refresh
- sliced sourdough loaf to go in freezer and become resistant starch
and am about to settle down and read 50 pages on my English coachee’s second choice of book ….
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 -
Fingers crossed this second choice book is a bit more suitable than the first!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
Hope the raffle prize is a good one.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.1
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