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Mortgage free in Forever Home :-)
Comments
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I have finished with my commute until next year! Phew …. I am soooo tired now ….KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2026 as @ 2nd September.
Produce tracker: £315 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.7 -
It's good to know you don't have to do the commute until next year - enjoy the feeling!1
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Enjoy your break
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.1 -
I am impressed you have made this positive decision . so much hanging onto stuff is more of a 'but it cost x'.... I am always impressed though by anyone who puts the effort onto selling...Watty1 said:I gave up with the selling and simply donated a lot to a charity horse rescue that were appealing for them for their stands at events and then deliver the rest to the local CC (where I am to come out with less than I leave). I know I 'could' sell but the stress of it always seems too much to cope with at the moment for me. Kudos to those that do.
I am giving myself 3 months in 2024 to list everything and if it isnt gone by end March - its be CS'd
KK well done on finding a PA who happy yo help - some expense systems are a nightmare...
The wepretendtobuybooks site I did once successfully but now its all 39p stuff.. ... I did once dump a load of books to my local library as figured I could always borrow them out again if I wanted to read them again .. I never did...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#latest5 -
Got £5 from Pr1me Op1nion this morning, so that plus a 60p TT are now an OP. 😊
Collected Mr KK’s ‘new’ van this afternoon and learned a random fact in the process. He said “I’ve been 4 years around the world in this old thing” (the old van we were gently driving up to part-ex). “What?” says I? “It’s 25,000 miles around the world” says him. Really ….? So I googled it on my mobile, and yes, it’s 24,901 miles around the globe at the equator, so at c. 100,000 miles in his old van, he *has* been around the world 4 times 😉😊
This is likely to be his last van before he retires, if it lasts as long as the old one …. 🤞 We are both feeling old! 😳
We are both now finished for Christmas and shattered. Chinese takeaway for tea tonight and Toscos delivering between 7pm and 8pm - hopefully ….! 🤞
KK
As at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2026 as @ 2nd September.
Produce tracker: £315 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.8 -
Oh, and because I was actually here in daylight today, I could see that the path has been disturbed, there is a line all across the lawn, a new grey (and ugly) plastic box on the wall by the front door and one of my lovely Daphnes looks very bashed about - they have dug right underneath it. I am guessing that this is do with us, finally(!) getting our fibre broadband installed on 29th December ….
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2026 as @ 2nd September.
Produce tracker: £315 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Shame about the disruption but worth it to get fibre broadband - we got ours in June 2020 and went from 5Mb to 300Mb, it made such a difference working from home during the pandemic.4
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I have gone for the very cheapest deal for fibre but that will still roughly double our download speed (we don’t need a lot as we have no interest in downloading films and don’t game online) but will halve our Broadband bill per month. Just a bit annoyed it has taken this long as we were supposed to get it in October and I would have thought they should have told us they were coming onto our property yesterday before they did so.CCW007 said:Shame about the disruption but worth it to get fibre broadband - we got ours in June 2020 and went from 5Mb to 300Mb, it made such a difference working from home during the pandemic.
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2026 as @ 2nd September.
Produce tracker: £315 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Would have thought so too...and sorry about the destruction. The only Daphne I have is a very sorry specimen in a pot. I will eventually pop it in the garden and see if it can make it the very sandy soil. I doubt it but it cannot look more sorry for itself than it does in the pot.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!1 -
Enjoy your well earned rest!Mortgage OP 2026 £1870/2000Mortgage balance: £29,683
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept2
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