Mortgage free in Forever Home :-)

KajiKita

@redofromstart, defeated by the wind here too! Just too cold to work outside today. 

I have however:
- vanquished the kitchen table! May trumpets sound and joy abound!! 🥳🎉 (That has been looking at me for months …. <sheepish grin> 
- Emptied both kitchen bins before the rain comes in tomorrow, relined and wiped them down. 

- swept kitchen floor, behind the bins (first time in a while) and conservatory floor where we all track in small stones from the drive
- Marked my student’s homework
- Rung Giggleclear and asked for a refund on the missing service and additional cost incurred because of their delays - they will take it to supervisors and get back to me 
- made very serious but extremely professional Toscos delivery driver happy by giving him his Christmas tip (haven’t seen him since Christmas!), he was really taken aback and asked me if I was sure. I said I was as he was always reliable, professional and efficient. He was really touched. I think he might be on the spectrum and might struggle to build rapport with customers - no eye contact etc., but that obviously really reached him. 😊❤️
- Mr KK has been clearing his bedroom - he was being vague and frustrated by the weather so I suggested him trying to find 1 square foot, he’s found c. 8 square feet and has even vacuumed them! 🤩 He’s currently outside burning paperwork.
- I am using nature’s tumble dryer for the first time this year - my washing won’t come in perfectly dry, but dryer with the creases knocked out will do me 😊
- logged two lots of interest payments to me - @tom £17.67 and £22.02 in M@rcus in my savings tracker 😊

Mortgage news: 
- Mortage OPs impact spreadsheet wrestling has been done - looks like my OPs so far have saved us £2,033 in interest so far across the remaining life time of the mortgage. If I add that number to the total OPs that total value equates to 6 months of balance reduction (not total payment per month), so I *think* I can say I have reduced the term by SIX months, so far ….!! 😊❤️🤩 That means, at current pace we will have paid off the mortgage by April 2038 rather than October 2038. 

- Had the annual mortgage summary arrive yesterday- auto OPs have increased from £7.73 to £35.65 per month by not reducing the monthly payment as the balance comes down - VERY pleased with this - that is a LOT of flipping surveys in a month! Mr KK was quite impressed with this too. 

All of this is caveated of course by the fact that we have to move onto a new deal before October this year, but my calculations should help me keep a really clear track of the effect of OPs (which will be greater due to increased interest rates, but less because of reduced time period) and how much time we have left to go. 

KK

Crazycatlady2

I'm sorry to hear about your FIL. I supported my husband through loss of him mum and supporting his dad which he still is alot to some extent as his dad doesn't have anyone else.

Anything practical which can be done like moving things out of his name into hers and log ins wrote down etc will definitely make things easier later x 

skint_spice

I also hung some washing out today but unfortunately it wasn’t out for long before the drizzle started, it still gave that lovely outdoor drying smell when drying on the clothes horse/winter dykes with the dehumidifier on.

KajiKita

skint_spice said:

I also hung some washing out today but unfortunately it wasn’t out for long before the drizzle started, it still gave that lovely outdoor drying smell when drying on the clothes horse/winter dykes with the dehumidifier on.

Oh yes, here too 😊 And all the creases knocked out as well. Lost some pegs to over vigorous sheet flapping though! 😂

KK

savingholmes

The car is the biggest thing that needs to be in her name for the insurance or it will give her immediate issues. Mobile phone too and stuff like that. I'm sorry you are all going through this. I don't know if it's better or worse that it's over a short period. We went through similar in my 20s when we lost FIL but we were taken by surprise to a degree as they didn't share the full prognosis with us... 

I'm sure your DH is maximising his time with them - but definitely err on the side of taking more time off rather than less so there's no regrets - even if he ends up taking some time off sick himself. Perhaps explore compassionate policies from work too...

Well done on the decluttering - it's always nice to feel that a part of our lives is in order and controllable. It also reduces the visual overwhelm - unlike my house currently which is very triggering!!

KajiKita

Thanks @savingholmes. I think next time Mr KK is going over there we probably ought to prepare a list of prioritiesv- car and insurance being at the top. I think her mobile might be in her name already - one of the few things she pays for herself from her pension iyswim. 

In terms of spending time with them, Mr KK as self employed could in theory spend all his time there if he wanted to, but he wouldn’t earn and I think it would be overwhelming. He was getting into the habit of popping over to see them once per week before this diagnosis happened. I suspect that he will continue that in the short term and adapt as time goes on. 

KK

KajiKita

Dining room table semi cleared - won’t take much to finish that tomorrow evening. 

Meeting for PC chairman to discuss the approach to tomorrow - it’s pretty much going to be an informal interview with the potential Clerk. 

Potted up my yacon tubers, some dark purple Lilies which are destined for the sit spot border next season 😊 and an unwanted amaryllis that MiL pushed at me because she had been given too many! 😂
Requested two barn dance tickets for a fund raiser for the village / chapel in March. That came out of my spend money so still an NSD today and something to look forward to 😊 Dropping those monies off led to a long chat and cuppa with another PC / friend in the village I don’t see often enough, so that was lovely 😊
Mr KK has made himself a batch of beef goulash and I have pulled a compatible option from the freezer so dinner will be easy tonight 😊
About to do some kind of stitching 😊❤️

KK

LadyWithAPlan

a barn dance sounds lovely and a great way to think on other things when one is trying to yell 'yeehaw' whilst doing a jig

KajiKita

LadyWithAPlan said:

a barn dance sounds lovely and a great way to think on other things when one is trying to yell 'yeehaw' whilst doing a jig

I know! Sounds as mad as a box of frogs!! 😂😂❤️

Tiring evening tonight - interviewing a prospective Clerk for the PC along with the Chairman. Candidate is promising but has a significant skills gap they also recognise that r would have to manage. Think the Chairman appreciated my thoughts on how we might approach that. 

KK

savingholmes

Barn dance sounds lovely... I've only ever been to one.