We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mortgage free in Forever Home :-)
Comments
-
If it helps I will be up for joining you on that aim, and will read with much (mildly competitive) interest.
My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
Happy to share the ‘adventure’ - not sure even ‘mildly competitive’ is *quite* fair though, with me working full time and you not …. 😉😂😂redofromstart said:If it helps I will be up for joining you on that aim, and will read with much (mildly competitive) interest.
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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.2 -
I've tidied my seed tin, nothing out of date, and some broccoli micro greens identified for Jan sowing.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.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
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?Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20256 -
Have to admit I thought that myself after I posted it. I'm still getting used to the idea of not employed!KajiKita said:
Happy to share the ‘adventure’ - not sure even ‘mildly competitive’ is *quite* fair though, with me working full time and you not …. 😉😂😂redofromstart said:If it helps I will be up for joining you on that aim, and will read with much (mildly competitive) interest.
KKMy mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
Ummm ….Merlin's_Beard 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?<wonders how to break it to MB …. 🤔>
😉As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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 -
You get in the swing of it once all of the rest of us go back in January! 😉😊redofromstart said:
Have to admit I thought that myself after I posted it. I'm still getting used to the idea of not employed!KajiKita said:
Happy to share the ‘adventure’ - not sure even ‘mildly competitive’ is *quite* fair though, with me working full time and you not …. 😉😂😂redofromstart said:If it helps I will be up for joining you on that aim, and will read with much (mildly competitive) interest.
KK
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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.2 -
Maybe start with there is no such thing as Rudolf the red nosed reindeer as an easy in ..KajiKita said:
Ummm ….Merlin's_Beard 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?<wonders how to break it to MB …. 🤔>
😉
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 breakDON'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#latest4 -
Thanks @LadyWithAPlan, I appreciate your support. I will be interested to hear what you make of the book (and know what it is if you think it good).Well, the weather has crash-landed here! Howling, squally, heavy rain showers. Madame is not impressed 😉 I’m quite happy though as I am stiff after yesterday’s efforts in the garden so I have an indoor list for today:
- clean bathroom and loo
- make the lentil and peanut better loaf I gleaned from Redo’s thread
- £cial updates
- as part of £cial updates, restructure my monthly tracker and YNAB sheets so that I can stop doing double entering - getting boring now 😉
- set goals for 2024 - I am impressed by how having a reading goal got me moving on reading, which I haven’t done seriously for years. I want to think about how that worked for me and how I could leverage that to achieve things in 2024.
- more tapestry - need to check my old tapestry kits to see if there is any spare dark green I can finish my latest project off with as I seem to be short.
- start a new novel (tried a Lessing and couldn’t get into it ….)
- start thinking about seeds and succession sowing / planting next year - have totally failed on this so far in my growing life ….
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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 -
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 ….
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards

