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Mortgage free in Forever Home :-)
Comments
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Is this the time of year there are exams in school? It’s different up here so never too sure. Maybe student is busy with school but a heads up would be useful!Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3002 -
Don’t think so for him yet. It’s his GCSE year next year and he generally tells me when he has a test (for sympathy votes! 😂) and he didn’t mention that last week. My money is on him having been ill. His dad is usually in work on Mondays so maybe I will find out tomorrow? 🤷♀️skint_spice said:Is this the time of year there are exams in school? It’s different up here so never too sure. Maybe student is busy with school but a heads up would be useful!
Just a quick update on the sound healing session. It was lovely. She mentioned that she uses a tuning fork quite close to the clients ears so I asked to do that at more than usual distance as I have quite sensitive hearing - she did and I could feel the effect but it wasn’t jarring. She is a lovely person holds a safe and warm space. I don’t feel significantly different after it but I know it had an effect as I could feel the heat from her hands, saw lots of colours and images during the session and had a visit from a couple of ancestors. In the quiet bit, after the treatment but before the client ‘comes to’, I shuddered and shook a bit - could feel myself realigning then. She asked afterwards if I had ever done extractions or soul retrieval before - I have - as she was aware there was stuff going on around those sorts of things for me. Apparently my solar plexus was quite powerful but blocked - that area became very cold before she worked on it. She wouldn’t take payment as she is training so I energy exchanged with her and gave her Kaji which she loved. 😊
I am under strict instructions to take it easy for the rest of the day! Gardening is allowed but only pottering! 😂😂😉
About to get into scruffs and do some pottering …. 😊
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Yes, to exams.skint_spice said:Is this the time of year there are exams in school? It’s different up here so never too sure. Maybe student is busy with school but a heads up would be useful!I 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.3 -
The heat from her hands is just the energy moving~~a bit like reiki.
Sounds amazing.I 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.2 -
Mr KK headed off to a local rummage sale this morning, reappearing at lunchtime with yet another tin helmet 🙄😂😂, a load of small vehicle manuals of various types, including what we think might be a sleeper - hard back book from 1919 all about the birth and early development phases of tanks. He is literally glued to it atm …. 😉😊❤️
I’ve had a lovely session in the garden this afternoon - finished the dreadful veggie bed I started yesterday and weeded the gravel section in front of the DIY shed as the grass was literally growing under the door, into the shed! 😂 Mr KK very pleased 😊❤️
I stopped at one point, sat on my kneeler and just listened for five minutes to the birds who were singing their heads off all around me - just lovely 🤩
The view from today’s sit-spot, towards the top of the garden 😊
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.8 -
Looks lovely kk, very restful. I like the sound of the sound healing, very interesting.Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug
Summer challenge £120/3002 -
It’s one of many reasons why we love living here and what makes every penny-battle with the mortgage worth it ❤️skint_spice said:Looks lovely kk, very restful. I like the sound of the sound healing, very interesting.
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Wow, your garden is huge.I 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.1 -
Lovely view, well worth juggling the finances forMy mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
I used to think so, but I have pretty much got used to it now - walking up and down it killed me for the first few months until I got used to it! 😂beanielou said:Wow, your garden is huge.
Thank you 😊❤️redofromstart said:Lovely view, well worth juggling the finances for
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4
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