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Mortgage free in Forever Home :-)
Comments
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Ooh Phillip Pullman is a good choice, I'm waiting until long enough has gone by for me to forget enough then I'll re-enjoy a re-read of the His Dark Materials trilogy
Well done on all your work achievements today. Enjoy your quiet evening!4 -
Absolutely shattered but finished for the week …. Mr KK and I have said that we are turning our alarms off tomorrow! 😊
Small win: £5 from Pr1me as an OP along with a 25p TT 😊 Pr1me has also given me an extra 20% points bonus for the next 10 days, so will try and make the most of it 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Have a good rest and I hope the celebrations go well tomorrow 🎉Mortgage OP 2026 £0/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Make £50 a month Jan £0
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Thankee 😊skint_spice said:Have a good rest and I hope the celebrations go well tomorrow 🎉
Actually, The Birthday is on Saturday, so tomorrow I can catch up with myself a bit.Saturday however, will be:
- Jet Age Museum
- Motorbike shop including possible donation from me for new boots or gloves if suitable option found
- Greasy spoon caff at the local airport so he can watch planes
- Taking him out for dinner in the evening.I will be having Sunday to MYSELF! 😂😂😂😂😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.6 -
Have a happy weekend 😊🌼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 -
As at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
That sounds like a perfect Man Saturday, let alone a birthday 😀!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!1 -
Happy no alarms day for tomorrow, you both thoroughly deserve a good kip. And made even sweeter by knowing that it's a weekday and you don't have to get up for anything until you want to *chefs kiss*2
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Enjoy your weekend and well done on winning at the work projectDON'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#latest1 -
Hahaha - lil bit! 😉 It will be good to see him relaxed and happy - there’s been a it too much seriousness and misery lately.South_coast said:That sounds like a perfect Man Saturday, let alone a birthday 😀!PennysIntoPounds said:Happy no alarms day for tomorrow, you both thoroughly deserve a good kip. And made even sweeter by knowing that it's a weekday and you don't have to get up for anything until you want to *chefs kiss*
Thank you both 😊LadyWithAPlan said:Enjoy your weekend and well done on winning at the work project
Slept for 9.5 hours last night. Set my daylight alarm for this morning but not the audible one and slept right through! 😳 Must have really needed it. I do feel better this morning.Made Mr KK soft boiled eggs and toast for breakfast this morning. Apparently this is a treat for him 🤷♀️😊❤️Taken the car out and got it refuelled, washed and vacuumed out. The car place was pretty sniffy about the state of it but pressure washed my mats as well (absolute transformation 🤩) and really gave the boot a deep vacuum, which was good as it has been used for waaaay too many tip runs. <ahem … poor car> Washed the shuts along with various bits of plastic (soooo many angles on the inside of a car!) and removed the worst of the dust from the cabin when I got home, so it’s all ready for the Big Birthday Day Out tomorrow and the trip to Manchester I am taking one of my team on next week - some women in leadership thing.Also changed my library books this morning 😊 I wanted to do this last week but there was no time with the big FiL event etc. the sun is out now and there is a breeze, so I think I will get into scruffs, chuck my washed bedding on the line and go and dig at some weeds before it turns again 😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.8
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