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Mortgage free in Forever Home :-)
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Daphnes really are rather precious about root disturbance, hope it survives. I have two that I'm trying to take cuttings from without much success but it might just be meMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
Enjoy your break
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 -
Thanks Beanie 😊beanielou said:Enjoy your breakAs 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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.1 -
Just done the post payday money shuffle.
Savings have gone up by £111, a small payday excess for OP of £25 has gone off and my EF is now the equivalent of six months minimum spend. Still haven’t got enough for a ‘new’ car but I am happy with these numbers with Christmas spend and a new WM in there.Shuffled £110 from easy access across to higher interest rate ISA as well 😊
Must push on with chores. Biggest target today is clearing the dining room table (so many books and magazines! 😂) and getting the tablecloth washed.KKAs 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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
Well done on the OP and hope the broadband installation goes smoothly.
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.142 -
Thanks 😊FlacosFloozie said:Well done on the OP and hope the broadband installation goes smoothly.
Did a couple of hours in the garden, cut dead stuff back (I know it’s early but it really was dead-dead, flopping over other things and has been moved to an open compost heap). I can already see crocus starting to come up (the birds always attack these patches though) and peony spikes starting to appear ❤️ The winter box is *just* starting to flower so I was getting little wafts of that as I was working and the sad Daphne by my front gate might have only had one partial side of its roots disturbed - I have propped it up and heeled it back in and am crossing my fingers. If it doesn’t ‘do’ there is another one further down the bed which is growing like a weed - if I can remember what type it is I might buy another one, as it obviously likes my ground 😊
KKAs 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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
Momentary heart failure.....my bad eyes changed that U to an A in cut. So glad it's just my eyes.KajiKita said:Did a couple of hours in the garden, cut dead stuff back
KKI’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
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇1 -
Yikes! 😦 😂 Monkey is yet to come back for her tea - she’s quite restless atm.Brie said:
Momentary heart failure.....my bad eyes changed that U to an A in cut. So glad it's just my eyes.KajiKita said:Did a couple of hours in the garden, cut dead stuff back
KK
In other news - tablecloth off, washed dried and back on and Mr KK has polished our brass candlesticks 😊
KKAs 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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
Do let me know she's come home....I know she will because they do. I expect this bit of a warm spell sets them off to wander a bit.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
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇1 -
Just for you - the wanderer returned and waiting for treats … 😉Brie said:Do let me know she's come home....I know she will because they do. I expect this bit of a warm spell sets them off to wander a bit.
KKAs 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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.9
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