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Mortgage free in Forever Home :-)

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  • Ouch to the sting. I use our cat asleep on me as an excuse when I can’t be bothered to move!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 13 December 2023 at 8:07AM
    Thanks for all the sting sympathies. It was a bit tender when I went to bed last night but didn’t disturb my sleep and mostly seems to have calmed down this morning 😊
    Last day of freedom before heading back to work before the final push ….
    Many, many things to get done today. I do need some downtime as well though and would like to get out in the garden for some air and light this afternoon.

    My critical tasks are:
    - Tidy office
    - £cial uodates
    - LED mask session (I know this seems an odd one to have as critical, but I need not to be tired when I first try using it)
    - wrap and ship the books I have sold (decluttering and £funds!) 😊
    - start the T3scos Christmas shop
    - wrap, post-it label and drop off the old folks presents
    - write and post Christmas cards 

    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. 
  • South_coast
    South_coast Posts: 5,884 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I might bring the garden stuff up the agenda if I were you - it's getting dark so early that if you want light you need to be done by mid-afternoon!
    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: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 13 December 2023 at 9:17AM
    I might bring the garden stuff up the agenda if I were you - it's getting dark so early that if you want light you need to be done by mid-afternoon!
    There’s no particular order to my list 😊 I will get out and do what I can either late morning or straight after lunch, or even a bit of both 😊

    KK

    PS - Mr KK has added 3 more jobs to my list, so I should get out from under my iPad and blanket and get started! 😉
    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. 
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
     Naughty Mr KK! 
    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: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
     Naughty Mr KK! 
    😂😂😂 Actually, I don’t mind too much, they didn’t take too long and it’s one less thing for him to wrestle with when he gets home. He’s grey with tiredness by the end of the evening by the time he finally has a shower and sits down. He has declared that whatever isn’t done by end of play Friday, won’t get done before Christmas, as we are out of time and this weekend is about clearing and cleaning the house! Fine by me!! 😉

    As well as Mr KK’s defined job, I have packed up and shipped the books I am selling (so that’s another cardboard box out of the house 👍😊) and wrapped, labelled and dropped off the old folks presents 😊 The office is tidy and I have paid off the work AMEX (even though they have rejected my expenses claim - this is why I HATE travelling for work! ☹️🙄). 
    It is perishingly cold out there with a bitter wind. I will try clearing the greenhouse after lunch and try riddling and spreading some compost as that is a more sheltered corner, but beyond that …. Brr! 🥶

    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. 
  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Greenhouse cleared of dead things, weeded and the parsley and sorrel in there watered 😊
    Also did use my riddler for the first time - worked really well! 🤩

    This set up saved my back, both from too much bending and lopsided carrying of the riddled compost to the other side of the garden - much more balanced with the wheel barrow. 


    To be fair the compost in this Dalek was pretty well rotted - might have been there two years? But I am delighted with the final texture 😊



    Spread on the ex potato bed that will be the garlic bed come January (and yes, I have lots of weeding to do! 😉)



    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: 14,791 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    That reminds me that I should look at emptying the daleks - they've been behind the shed fairly full since we moved in nearly 6 years back.  Never used them myself.  
    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.

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  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Brie said:
    That reminds me that I should look at emptying the daleks - they've been behind the shed fairly full since we moved in nearly 6 years back.  Never used them myself.  
    If they are anything like mine, you will be be amazed by how much they’ve shrunk! 😊

    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. 
  • What is the green thing in your trug called? Need one of those.
    Love 🐞

    Grow your own: £14.66
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