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Mortgage free in Forever Home :-)

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  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    beanielou said:
    I wonder why over 80's now have to complete a tax return.
    If my maw does I see it ending in tears TBH.
    They’ve had an 8% increase in pension but no corresponding tax allowance increase, it’s going to affect 1,000s of pensioners. 

    KK 
    Aaah of course.
    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
    KajiKita Posts: 7,724 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 12 December 2023 at 8:54AM
    Feeling a bit better this morning (in spite of a horrible dream in the middle of the night). A bit less ‘beaten up’ by life! 😊
    As well as bookcase wrangling as detailed above, Mr KK also wants me to take down and rehook the patio door curtains so they hang higher. Fold and tuck way so Mr KK can paint that wall.
    Also hoping to pop out and get a coupe of things Mr KK wants, plus a Christmas present I have finally thought of for him! 😊
    I also want to spend some time deciding on my Heritage seed order.
    There may be some reading and R&R amongst the above …. 😉 Little gardening is likely though as the forecast is dire. 
    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • Brie
    Brie Posts: 14,797 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    KajiKita said:
    Got stung on the neck, ferociously, outside screwfix - think it must have been a wasp? I have anti-H’d with both tablet and cream but it’s still pretty sore. In December as well! 🤷‍♀️🙄KK
    Ouchy!!  Though must admit - I wonder how cranky the wasp is for being out and about in this weather!!!
    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

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  • KajiKita
    KajiKita Posts: 7,724 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Brie said:

    Ouchy!!  Though must admit - I wonder how cranky the wasp is for being out and about in this weather!!!
    😂😂😂😂 Though I am still sore, so still cross with it! 😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the wasp sting clears up soon, it’s so late in the year! And yes, don’t disturb the cat, everything can wait a while.
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,724 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope the wasp sting clears up soon, it’s so late in the year! And yes, don’t disturb the cat, everything can wait a while.
    She got off in the end and went out to harrass a squirrel! 🙄😳😂 She’s now asleep on the sofa next to me, being the picture of furry innocence … ! 😉

    I did get the bookcase polished and refilled and identified about a shelf’s worth of books to get rid of. 9 of them are going be sold (I will pack and ship them tomorrow) and the rest can go to the CS.
    Also got the small bookcase emptied and Mr KK is flitting from one end of the room to the other as things dry ….

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,176 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ouch to an unexpected wasp sting! 😱 Hope it eases soon. 

    You sound like you're getting a lot done at the minute! Glad the case turned up too 😊
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    My sympathies over the wasp sting. I got stung in November taking washing off the line, it was so unexpected it was a huge shock as well as painful.
  • Ouch on the sting! hope it gets better v quick.

    You have reminded me i want to buy some veg seeds for my df.. 
    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
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