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Mortgage free in Forever Home :-)
Comments
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Sounds like the kitties are settling in, enjoy a lazy 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#latest3 -
Brie said:Would something simple like a chamomile tea bag on a bite work for you or is it the pollen??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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.4 -
I think I react more to bites in the last few years, something outside bites me regularly. I get 1cm raised yellow bump of yuck so I use a hot tea spoon to 'draw' the sting, bite cream and AH reduce the effect but don't stop it. The one on the bra line a week or so ago was especially annoying. Much sympathy.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5 -
redofromstart said:I think I react more to bites in the last few years, something outside bites me regularly. I get 1cm raised yellow bump of yuck so I use a hot tea spoon to 'draw' the sting, bite cream and AH reduce the effect but don't stop it. The one on the bra line a week or so ago was especially annoying. Much sympathy.
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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.4 -
Happy Easter to you and Mr KK, and George and Chloe, and I hope Mr KK's mum and dad are having a nice one too. Enjoy the chocolate and magazines!3
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Been a busy, 10K steps day 😊
- planted out lettuce plantets from the plant centre in my greenhouse, as per Monty on Friday evening 😉
- almost finished reading ‘Pl@nted’ by Liz Z0rab - lovely, lovely book - a random find in Hay last time we went there. It’s all about the writer and her husband trying to grow most of the their food themselves from a blank field whilst working through ill-health - her humility, adaptability and creativity is just glorious. I’m learning a lot from it and it will bear re-reading 😊
- pretty much got Mr KK’s washing dry outside - just needed a brief go in the tumble to finish off.
- planted up two low pots with alpines for either side of the entrance to the sit spot border pathway - cleared a load of rubbish and clutter at the same time - pleased with how this has come out
- cleared the last of the Persicaria!!! 💪👏🎉🤩
- moved volunteer foxgloves and aquilegia from one of the veggie beds to the areas where the Persicaria were - have left a gap for perennial sunflower that I am growing from seed this year
- Mr KK came back from a long bike ride quite late, washed his bike 🙄😉 then his van and my car, finishing off with pressure washing the back steps which I had asked him to do - looks loads better - Hero Husband 😊
- then planted up the cleared veggie bed with well chitted, first early spuds 😊 mains are still in the house
Tired but happy 😊
Couple of pics: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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
PennysIntoPounds said:Happy Easter to you and Mr KK, and George and Chloe, and I hope Mr KK's mum and dad are having a nice one too. Enjoy the chocolate and magazines!
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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.4 -
The garden looks lovely! Sounds like the kittens are settling in at their own pace, and they'll be all over everywhere before you know it.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20251 -
Thanks for sharing photos. Sounds like a productive weekend. The kittens will be out play and making mayhem in no time I'm sure.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
savingholmes said:Thanks for sharing photos. Sounds like a productive weekend. The kittens will be out play and making mayhem in no time I'm sure.
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 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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
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