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Mortgage free in Forever Home :-)
Comments
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Congratulations on the additional family members! They are just gorgeous.
I like catsan but buy the cheaper Mr S one when it is really low priced in comparison, some times there’s not much difference.Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
This is the one I use. Made of recycled paper
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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 -
They DO look like a George and Chloe, you're right!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r61 -
Aw 🥰🥰🥰 Welcome to MSE George and Chloe! 🥰🥰1
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Thanks for all the litter suggestions. I will see what I can find today.Another really bad night’s sleep! This morning’s dream was all about trying to have a shower, in Swansea, in college, in public and being banned by someone I used to dislike at a job 4 jobs ago before I could even start the shower …! Ugh … I am prescribing myself maximum avoidance of carbs today (I ate too many yesterday) much 4:7:8 breathing and a good dose of exercise if possible, though the forecast is unstable at best today!More spending today on cat stuff ready for our new family members tomorrow 🤩 Have also sent pleading text to plumber to grovel for some love for our heating system as we are both miserable at being cold everywhere but the living room. I must tidy the floor of the office to make room for the kitties too.KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.3 -
Ooh, I envy your unstable forecast - it's absolutely revolting here this morning! If I make it to the car without my brolly turning inside out, I will be very impressed 👍🤣!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!!!2 -
I didn’t think anyone would envy my forecast! 😂South_coast said:Ooh, I envy your unstable forecast - it's absolutely revolting here this morning! If I make it to the car without my brolly turning inside out, I will be very impressed 👍🤣!
When the weather gets that wild, I give up on brollies and climb into a big waterproof jacket!
KkAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.3 -
Little late to the cat party but oh my goodness they are adorable.
(Feral kitten here uses corn cat litter as cheapish, last ages, not the cheapest but she has her litter try in my office as Wattydog eats her poops o/wise (ergh) and goodish at absorbing 'aromas')Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
Watty1 said:
Ah, this is the one I remembered someone mentioning 😊 Thank you. Have got wood based litter for now as that is what I think they are used to, but will look out bulk supply of this litter.Little late to the cat party but oh my goodness they are adorable.
(Feral kitten here uses corn cat litter as cheapish, last ages, not the cheapest but she has her litter try in my office as Wattydog eats her poops o/wise (ergh) and goodish at absorbing 'aromas')Cat bowls, kitten food toys, litter scoop and litter found (largely from local independent pet shop) 😊 Also, popped to garden centre and picked up some more vermiculite for seed sowing and new scissors for my potting shed - resisted all pretty plants! 😉
Kitchen floor swept, all internal bins emptied and have made a start on clearing the floor of the office … (there is more in there than I realised! 😳🙄).
Scrap silver cash turned up in PP so have made an OP of £63.13 and a 25p TT 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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 -
Loving the cute kittens - and George looks already like a lot of fun trouble
What a great way to start EasterDON'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#latest4
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