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Mortgage free in Forever Home :-)
Comments
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I always wait for deals as it’s £3.30 for 20 bags but they often do in tesco and sains half price or £2 .. it’s very comforting
at least you are not having to search for a new carDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
Well I use both of those - I will try before I bulk buy! 😉LadyWithAPlan said:I always wait for deals as it’s £3.30 for 20 bags but they often do in tesco and sains half price or £2 .. it’s very comforting
at least you are not having to search for a new car
Yes, a big relief …. 😊
Nuts day with back to back, and some doubled up meetings - managed to get outside for my two rounds of the building in the sunshine at lunchtime but ended up eating my lunch at my desk in the following Teams call … Only two more days to the end of my week - I have Friday off to help Mr KK celebrate his birthday on Saturday 😊
Since coming home:
- Recorded and submitted gas and electric meter readings
- Cleared the last scraps of clean washing from the weekend to upstairs
- Installed new, windscreen suction, telescopic, phone holder so I can use my mobile as a sat nav - seems quite robust - £11.73 well spent 👏
- Done my financial updates - nothing of any significance to report …. Still haven’t updated all my YNAB savings pots for the month after my payday … Must cancel two insurances we don’t really need any more …
- Ordered one of my prescriptions via the NHS app.
That’ll do tonight! I was hoping to do some cleaning as well, but I am too shattered now. If I did, I would end up overtired, stressed and fretful. Instead, I am sat on the sofa whilst Mr KK cooks his chop dinner, with no sound from the telly and so peace and quiet. 😉 Still have my food prep to do for tomorrow and must have a shower / wash my hair tonight, but am hoping some food will allow me to feel energised enough to do that!KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.7 -
Be kind to yourself. You have so much going on. XxI 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.2 -
Thanks Beanie xbeanielou said:Be kind to yourself. You have so much going on. Xx
I have done all my food prep for tomorrow and am now showered 😊
Quietly indulging myself with a nice book:
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.7 -
That looks like a lovely book, hope you get a good rest.Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
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)1 -
That looks a good book indeed. One of my friends would love that.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.1 -
skint_spice said:That looks like a lovely book, hope you get a good rest.
Thank you both. Excellent night’s sleep last night - really struggled to actually surface this morning but feeling better, so am hoping to get some annoying ‘stone in my shoe’ tasks knocked over in work today (far fewer meetings today!).beanielou said:That looks a good book indeed. One of my friends would love that.KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.2 -
Got some jobs knocked over in work and made good progress on a horribly knotty technical subject - quite proud of this one as have kept all stakeholders on side in a fairly pressured situation 😊 All my team are all fully PDA’d for the first time, just in time (deadline was today)! 😊Set another homework for my English student and ordered the next reading book - a Phillip Pullman this time 😊 Other than, having a nice quiet evening 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.5 -
That is a lovely but dangerous book. I do love DaphneMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
And that’s just the first page! 😂😂😂😉redofromstart said:That is a lovely but dangerous book. I do love Daphne
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.2
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