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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,664 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    And in another development I have been tracking my food waste for almost two weeks now.

    it is eye-openingly alarming! 😳 I will continue it for a while longer but there are some lessons I can definitely learn from it and that’s before I even start looking at more ‘maximising the use’ type activities such as roasting / otherwise using, ‘scraps’ such as cauliflower bases or broccoli stalks …..!

    I plan to have a good furtle about on the WRAP website. 

    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. 
  • KajiKita
    KajiKita Posts: 7,664 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    And a couple of non financial but cheering activities:

    - rang up for my lipid blood test results - all as they should be and better than last time 😊👍

    - I have weeded my leeks and they are doing quite well - thickening up nicely 😊

    - I am awash with tomatoes (for the first time EVER!! 😊👏❤️🎉) so I have made a batch of tomato, sage and red onion soup for the freezer - first two ingredients from my garden ❤️

    - I have a Delia recipe for red tomato chutney which I am planning to try tomorrow 😊

    - oh I did ring Terry’s today ….. not sure how well this will go as I thought they were waiting for my go ahead before making but it looks they may not have and the dimensions wrong. They have ‘accepted’ an order through the website which they shouldn’t have. The lady I was talking to yesterday was working from home, so will ring me back tomorrow…. I am so crossing my fingers on this one!

    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. 
  • Well done on the big girl pants with the neighbours - it'll be more fun at home anyway, everyone that wants to drink can do, and no taxis to worry about at the end of the night 👍!

    On the food waste, would obvs depend how much freezer space you have, but frozen veg (and fruit) has no stalks etc to go to waste and keeps for as long as you need it. There's very little I buy fresh these days
    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: 7,664 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @South_coast but unfortunately, due to my spendthrift tendencies all our freezer space is rammed.

    But the suggestion / idea is now noted and filed for when we *will* have some space!  :) 

    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. 
  • KajiKita
    KajiKita Posts: 7,664 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Morning All,

    So, I have done a stock take of hubby's freezer delights! In the process I have discovered why the drawer in the cellar freezer was acting so oddly. At some point something (an ice lolly I think?) had melted and then refrozen enough to stick the glass shelf that supported the drawer which meant every time we tried to open that drawer the shelf came with it. I only discovered this on walking back to the kitchen from the external cellar with the shelf still attached to the underside of the drawer completely unsupported as I didn't realise it was there!  :o Thank goodness for the absolute stickiness of ice lollies! This has now all been thoroughly cleaned!

    Meals list and online shopping done based on both freezer stock lists. This hasn't given me a hugely low cost shop as I have taken the opportunity to restock a 5Kg bag of Basmati rice before the prices go up too much more ....

    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. 
  • KajiKita said:
    Meals list and online shopping done based on both freezer stock lists. This hasn't given me a hugely low cost shop as I have taken the opportunity to restock a 5Kg bag of Basmati rice before the prices go up too much more ....

    KK
    Reframing:
    Freeing up money to restock a 5kg bag of Basmati rice, before the prices go up much more ...
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • KajiKita
    KajiKita Posts: 7,664 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Awwww .... thank you @Baileys_Babe :) That's sweet of you. It will feel good to have a good dollop of rice in the cupboard - the last 5Kg sack lasted us about 2 years!

    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. 
  • KajiKita
    KajiKita Posts: 7,664 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Feeling really stupid and cross with myself. I got home today to a speeding fine / notice of prosecution. I'm in Band A for my offence so I will be looking at 3 points and probably up to 50% of weekly pay - OMG! When did the fines change? I had no idea they were that high. Feeling absolutely sick  :(

    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. 
  • badmemory
    badmemory Posts: 9,630 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Is there a reduction for prompt payment?  There usually is.
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