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Mortgage free in Forever Home :-)
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I don't think any of our bills are in joint name, I have added it to the list to deal with this year.Brie said:
Stating the obvious here - is MiL's name on the bills, council tax, credit cards etc. Bank accounts made joint...all that stuff that will make life easier when it gets really rocky.KajiKita said:Thanks all, really useful and helpful feedback. I have passed it all onto Mr KK and he will talk more to his mum about how to approach it all and recommend a couple of providers to start with. He says thank you too.
KK
fyi - wobbling is allowed and actually to be expected occasionally. but lots of catchers ready and willing.
AND - what's the student reading now?!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 family2 -
I tried to add Mr KK to the joint energy account as he has limited proof of ID but it got so laborious that I gave up in the end. It’s something I will consider when we look at new providers at the end of our fixed rate deal.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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £236 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 -
Similar when I tried to get my OH added to my Santander account. Everything was ticking along and then they realised they didn't have any ID of me! So all put on hold white they process that first. And this was after me opening another account with them just a couple of months before. Talk about backward!!KajiKita said:I tried to add Mr KK to the joint energy account as he has limited proof of ID but it got so laborious that I gave up in the end. It’s something I will consider when we look at new providers at the end of our fixed rate deal.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
⭐️🏅😇2 -
Thanks 🤩KajiKita said:
< KK gives the kitchen a stern look and tells it to sort itself out, immediately! >beanielou said:
😉
KKI 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 -
Had a good session in the garden today - got a new philodendron in the ground next to the pergola, mulched it with posh compost and bark and will fleece it if seriously cold temperatures threaten. Did a load of weeding of the bark path around the big veggie patch, whilst Mr KK was wandering around with a mattock, attacking brambles for me 🤩❤️ Hit 10K steps easily.English session with coachee has gone well today, and yeeeees, you have to chose another book! 😂😂😂 (I pointed out a load of things that he’s not getting right in his writing - because he’s not reading it back to himself aloud 🙄 but ‘got’ straight away when I pointed them out, was because he has been reading so much dialogue recently …. He grudgingly acknowledged my point and has agreed to chose a new book 😊😉). In school he is reading poetry atm and is deeeeeeply unimpressed 😂😂😂
Cashed out £5 from Pr1me this morning, but before I could OP it, I had a payment come out of PP so OP only ended up being £3.41 (+ a 75pTT) 🙄 Ah well, owts better than nowt as they say … 🤷♀️😊
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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £236 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 -
Has FIL signed a power of attorney as that can really help accessing the financials after the event, even for his wife as it speeds up access for her.
Article here may be worth reading for you all https://www.moneysavingexpert.com/news/2023/11/martin-lewis-power-of-attorney/
So sorry you are dealing with this - sadly its an inevitable part of life, not that that fact makes anything easier to cope.
Your poor student - poetry - Shakespeare sonnets may be easier than Sylvia Plath's bees.... My sister is still traumatised from those 20+ years onDON'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#latest2 -
Thanks @LadyWithAPlan, I have sent that link on to Mr KK.I know …. I did an English degree and I still cannot be doing with poetry! 😂😂😂 I quite liked the romantic poets and TS Elliot but most of it leaves me stone cold - a lot of it is intellectual pretension and posturing … 🙄😉
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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £236 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.3 -
Just catching up, but wanted to add that some insurance companies will provide a discount where you have been a named driver on one of their policies, so its worth asking the current insurance company."Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Thanks Sandy 😊SandyShores said:Just catching up, but wanted to add that some insurance companies will provide a discount where you have been a named driver on one of their policies, so it’s worth asking the current insurance company.
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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £236 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 -
I wanted to shake Wordsworth until he got a little something about himself when I had to study him.
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 20252
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