📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage free in Forever Home :-)

1175176178180181639

Comments

  • 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)
  • beanielou
    beanielou Posts: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • KajiKita said:
    Much of it is stuff I wouldn’t consider eating / consuming (wine, white chocolate)
    Sorry, what....??? 🤣
    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: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Pass the Oreo’s. 😊

    Window sounding good 😊 
    That it just about done? 
    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. 

    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. 
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
    Much of it is stuff I wouldn’t consider eating / consuming (wine, white chocolate)
    Sorry, what....??? 🤣
    😂😂😂😂
    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. 😊

    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. 
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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. 

    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. 
  • 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 it 
    DON'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#latest
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.