Mortgage free in Forever Home :-)

savingholmes

Great work on the OPs - factoring in the interest always gives me a lift. 

KajiKita

savingholmes said:

Great work on the OPs - factoring in the interest always gives me a lift. 

Thank you 😊
Hasnt moved my motivation on the surveys yet …. Think I did too many before Christmas. 🤷‍♀️

KK

LadyWithAPlan

Did you build a sheet or use the locoblade one for your interest reduction. ? 

£50 OP saving £17.58 lifetime interest wow  .

Never read The changeover but sounds like I will purchase read and turn gift to my teenage niece !  

KajiKita

LadyWithAPlan said:

Did you build a sheet or use the locoblade one for your interest reduction. ? 

£50 OP saving £17.58 lifetime interest wow  .

Never read The changeover but sounds like I will purchase read and turn gift to my teenage niece !  

I built my own sheet, mainly because I can’t follow the logic of one that are set up already or use them in the way I want to. Also, I can set it to calculate whole pence rather than whole £s - that’s how I could see the savings on the 50p! It won’t be 100% accurate (I am working in whole years) but it’s good enough for me (for now - I find things like this evolve over time as my understanding does 😊).

Let us know what you think of the Changeover 😊

KK

SandyShores

KajiKita said:

I built my own sheet, mainly because I can’t follow the logic of one that are set up already or use them in the way I want to. Also, I can set it to calculate whole pence rather than whole £s - that’s how I could see the savings on the 50p! It won’t be 100% accurate (I am working in whole years) but it’s good enough for me (for now - I find things like this evolve over time as my understanding does 😊).

I need to do this.  The MSE OP calculator only works in whole years and for the lifetime of the mortgage.  Our fixed rate ends in 2025 so it would be good to be able to play around with the figures.  It would definitely motivate me to OP those smaller amounts too.

KajiKita

SandyShores said:

KajiKita said:

I built my own sheet, mainly because I can’t follow the logic of one that are set up already or use them in the way I want to. Also, I can set it to calculate whole pence rather than whole £s - that’s how I could see the savings on the 50p! It won’t be 100% accurate (I am working in whole years) but it’s good enough for me (for now - I find things like this evolve over time as my understanding does 😊).

I need to do this.  The MSE OP calculator only works in whole years and for the lifetime of the mortgage.  Our fixed rate ends in 2025 so it would be good to be able to play around with the figures.  It would definitely motivate me to OP those smaller amounts too.

It took me a bit of back and forthing but if you read up-thread there is some good advice on how to get the calculations set up 😊

KK

KajiKita

I have had quite a positive day here
- Long lazy lie-in with a brew
- Got Mr KK's washing out on the line so that it needed minimal tumbling - just have to fold it up now
- Mr KK and I loaded up my car for the tip run and then filled more bags with rubble to take next weekend - hopefully the last run for a while. The garden is starting to look better now
- Tip run went smoothly and popped into the garden centre on the way home and found small packs of Swift and Pink Fir Apple seed potatoes which are now chitting on 2 different windowsills - east and north facing in different rooms - to see what the better location is for this activity. 
- Finished clearing the bark patch at the bottom of my veggie patch. Emptied the scrag end of the chipped bark dumpy bag onto the path and spread it so the empty dumpy bag could join the other rubbish going to the tip. (I hate dumping that much plastic, but have no idea what else I could do with it ....)
- Succumbed to a Euonymous (Spindle Berry) in the garden centre as well - love these things and if it takes it will really help to visually anchor the huge contorted Hazel at the rear of the Sit-spot bed with a shrub sub layer. Got it planted straight away, this afternoon, complete with microzzhial fungi! Note to self: I need some more of this now .... This treat (or the seed potatoes) was offset by a £5 voucher the garden centre gave me in November that has to be spent in January / February  
- Harvested two goodly sprigs of rosemary for a Borlotti bean cobbler @Fortune_Smiles put me onto on her page - thank you for always sharing your recipe links FS  and added that organic crop to my 2024 produce tracker .... 
- EDF emailed me this morning to ask for meter readings again - seems strange as I only did them c. 3 weeks ago and they normally only ask for them every 6 months, but I have just submitted them.  

Haven't got my onions sown but that is a nice easy job I can do one evening in the next week. It feels really good to have got that veggie patch path finished as that job had been 'looking at me' since Christmas! 
Heading off to make the dumplings for my cobbler and decant into oven proof dish(es) and do all the usual breakfast and lunch prep for a working day, before we sit down and watch 'Digging for Britain' together as our wind down before bed  

KK

savingholmes

Wow you got a lot done. I used to have a contorted hazel - not sure what happened to it. I love the catkins.

KajiKita

savingholmes said:

Wow you got a lot done. I used to have a contorted hazel - not sure what happened to it. I love the catkins.

I don’t think I did - I just describe it in a lot of detail! 😂😂😂
And reading back over it has prompted me to remember that Mr KK’s washing needs folding ….

LadyWithAPlan

SandyShores said:

KajiKita said:

I built my own sheet, mainly because I can’t follow the logic of one that are set up already or use them in the way I want to. Also, I can set it to calculate whole pence rather than whole £s - that’s how I could see the savings on the 50p! It won’t be 100% accurate (I am working in whole years) but it’s good enough for me (for now - I find things like this evolve over time as my understanding does 😊).

I need to do this.  The MSE OP calculator only works in whole years and for the lifetime of the mortgage.  Our fixed rate ends in 2025 so it would be good to be able to play around with the figures.  It would definitely motivate me to OP those smaller amounts too.

This is the locoblade one that is amazing - does to the penny - the first linked one is the updated 
https://forums.moneysavingexpert.com/discussion/1157173/my-excel-mortgage-spreadsheet/p1