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Mortgage free in Forever Home :-)

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  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 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: 7,710 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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!
    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? 🤷‍♀️

    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 …. 😊

    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 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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!
    Yes, to exams. 
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Looks lovely kk, very restful. I like the sound of the sound healing, very interesting.
    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)
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Lovely view, well worth juggling the finances for
  • KajiKita
    KajiKita Posts: 7,710 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Wow, your garden is huge.
    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! 😂

    Lovely view, well worth juggling the finances for
    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 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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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