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Mortgage free in Forever Home :-)

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  • If it helps I will be up for joining you on that aim, and will read with much (mildly competitive) interest.
  • KajiKita
    KajiKita Posts: 7,697 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 26 December 2023 at 7:27PM
    If it helps I will be up for joining you on that aim, and will read with much (mildly competitive) interest.
    Happy to share the ‘adventure’ - not sure even ‘mildly competitive’ is *quite* fair though, with me working full time and you not …. 😉😂😂

    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 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. 
  • I've tidied my seed tin, nothing out of date, and some broccoli micro greens identified for Jan sowing. No obvious beans for sprouting but I'll have a Google based on what I have. I still have celeriac in the polytunnel (roasted in cubes, was lovely) and 2 chilli plants surviving but not thriving in the kitchen.

    moved the seed stash from my overflowing 2017MrM shortbread tin to a deeper fortnum and mason chocolate biscuit tin. 
  • KajiKita said:
    If it helps I will be up for joining you on that aim, and will read with much (mildly competitive) interest.
    Happy to share the ‘adventure’ - not sure even ‘mildly competitive’ is *quite* fair though, with me working full time and you not …. 😉😂😂

    KK
    Have to admit I thought that myself after I posted it. I'm still getting used to the idea of not employed!
  • KajiKita
    KajiKita Posts: 7,697 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
    If it helps I will be up for joining you on that aim, and will read with much (mildly competitive) interest.
    Happy to share the ‘adventure’ - not sure even ‘mildly competitive’ is *quite* fair though, with me working full time and you not …. 😉😂😂

    KK
    Have to admit I thought that myself after I posted it. I'm still getting used to the idea of not employed!
    You get in the swing of it once all of the rest of us go back in January! 😉😊

    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 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. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,751 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 27 December 2023 at 1:26AM
    KajiKita said:
    Are you trying to tell me that where I went wrong last year was staring at my designated veg patch and then not actually doing much about it?
    Ummm …. 

    <wonders how to break it to MB …. 🤔>

    😉


    Maybe start with there is no such thing as Rudolf the red nosed reindeer as an easy in .. 

    I fully understand your emotions re your parents - so hard to see such behaviours and not be impacted by our childhood … so sending you a hug 
    I am thinking of buying this book ( on adult children of alcoholics) which is raved about for showing the child’s flight or freeze response and how an unsafe parent or home leads to lifelong trauma and also suggests ways to change our own behaviour patterns .. not saying this is your issue but I will read it and report back 

    Keep enjoying your Xmas break 
    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
  • KajiKita
    KajiKita Posts: 7,697 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Cleaning done - boring but necessary. 
    Replied to an email from my dad about his walk yesterday and the weather today - I will make more of an effort at this in 2024 as I think he needs the support. 
    Updated my £cial records and rebuilt my YNAB tracker, and eliminated all duplicates in my monthly tracker. Totally reordered my YNAB sheet so it’s all ordered by category and added some missing savings pots (new laptop - manageable, new mobile, ditto, new car 😳). 
    Started thinking about 2024 goals. Can decide on various targets but can’t work out what to go for on what our mortgage balance should be by the end of of 2024 - partly due to weak maths skills, but also because of the remortgaging we need to do. Actually, that’s another job to do - map out what needs to happen in which months in 2024 ….

    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 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. 
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