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Mortgage free in Forever Home :-)

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  • SandyShores
    SandyShores Posts: 1,969 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Congratulations on the PB win!!  Completely agree that prioritising chores means you are then too tired to do the enjoyable stuff.  But you do fit in so much stuff, so you are achieving loads.  Don't forget that the lighter evenings are on the way and we fit so much more into the longer days :smile:
    "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/yoga 

  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PBs🎉
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Congratulations on the PB win!!  Completely agree that prioritising chores means you are then too tired to do the enjoyable stuff.  But you do fit in so much stuff, so you are achieving loads.  Don't forget that the lighter evenings are on the way and we fit so much more into the longer days :smile:
    I hope you’re right about the longer days … January seems to have gone on for months! 🙄😉

    Well done on the PBs🎉
    Thank you 😊

    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. 
  • Brie
    Brie Posts: 14,787 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Inspired by your win I went to look at my emails and noticed that there was a notice of a win for the OH.  All excited I looked and saw £2k!!!  Which I told him about!!!  He's excited.  Came back and asked if he should use it to buy me a new car!  (upgrading the old one really).  No, says I.  Because by then I'd realised my mistake and he actually only won £25.  I'm not going to stomp on his excitement and he's now considering getting a exercise bike to go upstairs so he can look out at the garden while pedaling.  
    I’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

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  • Oh Brie, so much sympathy on that one.
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh bad luck @Brie. Put it down to being shattered.

    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. 
  • Brie
    Brie Posts: 14,787 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I was just chuffed that we'd "finally" won something.  OH had PBs for years with no win.  And these I bought a year back some for him and for me.  Just for fun and to set a bit off to one side.

    Hope your student resurfaces.  Maybe just shy because he'd not done his homework perhaps.
    I’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
    ⭐️🏅😇
  • CCW007
    CCW007 Posts: 1,087 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    KajiKita said:
    Had an interesting discussion with Mr KK last night after reading one of the threads about slow living on here. Someone was saying that she was trying to do some crochet, but had to stop and unpick an error from a previous session as she had left it to late in the day and hadn’t had good daylight to work in. She commented that she has a pattern that she tends to ‘do chores first’ and only then makes time for hobbies or creativity. 

    You could have heard my penny drop from space!

    I do this. I prioritise and make my whole weekend about chores or obligations and by the time I get to any time for ME, I’m done, cooked, over, out … and I am left with this feeling of never ending, drudgery and ‘what’s the point’ness. 

    Mr KK acknowledged that it is hard as we both work full time and there is a lot to do here. His suggestion is that we both try to do a bit every evening when we get home in the week, so leaving the weekend to actually be the weekend. He suggested learning how to program the new washing machine to run whilst we are out at work during a week day - so the washing would go in one evening and come out and be dried the next. We could each take one small cleaning / clearing chore each, each evening. I think this is an interesting idea but I would need a second pair of work trousers as I wear one pair all weeke and then wash and dry them in one weekend. I’m happy for both of us to try one small chore an evening but I have just been landed with a meeting next Monday that means I have to be in work 1.5 hours after my normal finish time! 🙄 Gah! I also think we need to wander round the house together and work out what still needs better storage (or preferably moving out! 😉) as I think we moved in here 4 years ago and haven’t really got on top of that yet. 

    Mr KK also said that sees me spending hours doing our finances every weekend and perhaps that could be a chore I could move to in the week. What really blew me away was that he expressed how grateful he was that I do all this, as it would just befuddle him. Bless him. ❤️

    Anyway, it was an interesting conversation and I will start trying to do something along these lines …. along with the first thing I do each weekend day being something creative or ‘play’, not the last ting I aim to pick up. 

    KK

    I read your post and nodded all the way through. For me it has been about placing value on our time. If something doesn't exceed a criteria (for example: it it truly essential ( most cooking and cleaning), or an act of love for someone to whom it matters, does it pay minimum wage , does it get us closer to a goal (moving house), OR does it feel good ( crafts him and garden me)) what am I doing for? I stopped doing most surveys, overthinking our finances and ironing as a consequence. 
    These posts really resonate with me, need to spend some time reflecting on this so thank you for sharing.
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @CCW007, glad it was useful. I will interested to see how you approach it and will learn from you too 😊

    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. 
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