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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    badmemory said:
    Is there a reduction for prompt payment?  There usually is.
    Hi @badmemory - honestly, I don't know. There was no mention of it in the letter. 
    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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,144 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Is there an option to do a speed awareness course instead? The last time I knew someone who did one it was £80 and no points on licence. Wasn't me though so I don't know what options are
  • KajiKita
    KajiKita Posts: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Is there an option to do a speed awareness course instead? The last time I knew someone who did one it was £80 and no points on licence. Wasn't me though so I don't know what options are
    There might be - depends on whether they offer that option or just go to FPN.  

    Incidentally, I think the RAC website was a bit confusing - those very high fines only apply of you contest the conviction, go to court and lose. (I have sent the letter back agreeing.) 
    Speeding penalties - GOV.UK (www.gov.uk)

    Still cross with myself though - wipes out almost every scrap of Tilly-Tidying and mortgage overpayments I have managed in recent months.  :(:|

    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: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Making a dinner with scrag ends tonight - 2/3 cooked some carrots and spuds that have been lingering the fridge for some time, sprinkled the tail end of a packet of pre-cooked lentils over them in a Pyrex dish and then smothered it all with a rich, unctuous, 'not-cheese-sauce' made with lots of nooch and Dijon mustard (I had no lemon so I added a teaspoon of white vinegar to brighten the flavour).

    This is now thinking about itself in the oven with a topping of some halved, last week's, cherry tomatoes. This will be served with the end of a frozen pack of peas :) I was thinking of frying up a vegan burger to go with this but just from the volume alone (I'm never very good at judging quantities when I am ad hoc cooking), I think that this will be enough  :)

    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. 
  • Suffolk_lass
    Suffolk_lass Posts: 10,290 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I just wanted to chip in to suggest you could prep tomatoes a bit like jam without the sugar. After softening them I whizz them in my large liquidiser than reduce them in an open pan before putting the mix (I do add salt) into hot jam (or kilner) jars. Screw the lid on tight and turn the jars upside down with a towel over to cool (better chance of the top popping) then when cooled the popped in lid ones can be stored like tins - no electricity to store these! - My glut of homegrown tomato glut has resulted in 32 and two half jars (2 batches) so far. I use them throughout the year, for stews, soups, sauces and ragu and they taste fantastic
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • KajiKita
    KajiKita Posts: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Good morning @Suffolk_lass :)

    I have found a recipe for a red tomato chutney in Delia’s how to cook 3 which sounds good. Can I ask though, how do you heat Kilner jars to make them sterile without damaging the rubber seal thing?

    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: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh and my dinner last night was da bomb! Absolutely loved it and I will be making that again. I think the one change I would make is to make the sauce a bit wetter before combining and putting in the oven - I always underestimate how dehydrating the oven process is …. 😉
    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. 
  • Suffolk_lass
    Suffolk_lass Posts: 10,290 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 11 September 2022 at 8:49AM
    KajiKita said:
    Good morning @Suffolk_lass :)

    I have found a recipe for a red tomato chutney in Delia’s how to cook 3 which sounds good. Can I ask though, how do you heat Kilner jars to make them sterile without damaging the rubber seal thing?

    KK 
    I use the screw-on lid like these as I find the spring clip jars much more difficult to seal. The discs on the screw tops are like the pop-top jam jar lids and I find if I heat the jars and lids to 120c from cold for 20 minutes (and I use a jam funnel to fill) it is all good. If you were using the spring clips it is more difficult to get them to seal (better for traditional bottling or dry goods storage) but they are fine in the oven until they start to go brittle. I have just bought replacement rubber and silicone seals from big river company
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • KajiKita
    KajiKita Posts: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oooh …. Who knew that kilner jars came with screw tops! 👏😊 (I get so excited by stuff like this as I get older 😂😂).

    @Suffolk_lass Do you use the wax paper discs?

    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. 
  • Suffolk_lass
    Suffolk_lass Posts: 10,290 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 11 September 2022 at 9:12AM
    No. Not any more. As long as the pop-tops pop they are redundant. I am that generation with celophane disks and rubber bands though (so don't ask me how many discs I have here...). Actually, for something like mincemeat, where it is bottled after cooling, they are probably a good idea but I use the Delia Christmas Book recipe for mincemeat that melts the suet around the fruit to preserve it. It would be a way of using the supply but I know from 30 years of making my own it isn't necessary.

    I know what you mean. I keep thinking "That's a nice cardboard box...!"
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
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