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Mortgage free in Forever Home :-)
Comments
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Loads better 😊 I’d read to page 100 today without even realising! My student, who claims he doesn’t read, had got to page 32 which was pretty good going and was looking forward to reading more this week for his homework 😊. He had an indignant strop about the pronunciation of ‘lieutenant’ - to be fair I remember being utterly disbelieving when I first learned that. I apologised on behalf of English! 😉😂😂😂😂Merlin's_Beard said:Fingers crossed this second choice book is a bit more suitable than the first!
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.5 -
Ta da! 🎉🤩🥳beanielou said:Hope the raffle prize is a good one.
Much of it is stuff I wouldn’t consider eating / consuming (wine, white chocolate) but some of it can be regifted or Mr KK will enjoy it 😊 I am eyeing up the gingerbread, shortbread and the pudding! 😉 The gingerbread house time is a wind up musical one 🎶 😊❤️
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.5 -
In other news, our washing machine is U/S - I believe it to be the brushes. After watching various videos and getting Mr KK to help me with some of the electrical connectors (so stiff!) we have got it out of the machine and I will order some new ones tonight. Mr KK’s dirty clothes have a date with our next door neighbour’s washing machine tomorrow morning! 😉Mr KK has done all the plasterboard lining of the new window reveals and put on the windowsills today and foamed around both new windows. We are celebrating with a Chinese takeaway 😊❤️🎉🤩 They have changed the room so much 😊
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.5 -
I quite like gifts and wins of stuff I just wouldn't buy. Hope you enjoy the bits you do like (she says eating really rather odd gifted fortnum and masons caramels)My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3 -
Pass the Oreo’s. 😊
Window sounding good 😊
That it just about done?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 -
Sorry, what....??? 🤣KajiKita said:Much of it is stuff I wouldn’t consider eating / consuming (wine, white chocolate)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!!!2 -
In terms of mess, very nearly …. Just a channel to cut out for a cable down from the ceiling to a new wall light. I want Mr KK to get that done so the mess is over with and there will be some point in starting cleaning (please!) but he’s dragging his feet on it … 😢 There is still a LOT of making good to do - plastering, painting, putting up new curtain tracks etc etc.beanielou said:Pass the Oreo’s. 😊
Window sounding good 😊
That it just about done?
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 -
😂😂😂😂South_coast said:
Sorry, what....??? 🤣KajiKita said:Much of it is stuff I wouldn’t consider eating / consuming (wine, white chocolate)
I don’t drink alcohol and Mr KK only drinks red wine. White chocolate is too sweet for me now after years of eating nothing but dark chocolate. It literally makes my teeth ‘itch’, eating something that sweet. 😊
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 -
A good start to the day: sent another £5 to OP from doing Pr1me surveys 😊
Floof is on the bed with us, rotating between having a licky-clean and being spark out, wheezing, with no apparent logic or trigger for switching between states 😉❤️
We are skipping the tip run this morning. I need to negotiate getting washing done at the neighbours’, we had no time to load vehicles yesterday and we are both shattered.
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 -
Loving the raffle prize! Also
like the randomness of a prize.I love white choc but it doesn’t love me
could you maybe cook with it or grate over a dessert ice cream etc
the windows and new room sound fabulous / but I understand the dust and general where is that thing that normally lives where our windows used to be type chaos - it will soon be worth itDON'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#latest3
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