We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mortgage free in Forever Home :-)
Comments
-
Thanks @beanielou and @savingholmes.TBH, I’m glad that she has made this decision. She is starting to fray at the edges and anything that allows others (the nurses, her children etc) to be more effective at taking some of the load off her can only be a good thing. I’m a bit surprised that FiL is still with as well - he was diagnosed with pancreatic cancer on New Year’s Day and he’s still going …. It sounds brutal but I’m hoping it’s not too much longer for everyone’s sake ….
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 44 books of target 52 in 2025, as @ 21st 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.8 -
Big hugs to you all, sounds like the bed will be a good idea, and it's great that you're all helping get the paperwork in order too.
Also a good idea to consciously leave work outside for the weekend!
Hope your weather is calm and dry like ours is today 😊4 -
Hi KK - I can relate having had a FIL leave us through cancer decades ago. It's good that it's allowed time to get some of the practical things sorted for MIL - but not nice witnessing someone's extended pain and health deterioration. Hope you get some recovery time.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 29/7/251 -
I have had a busy morning. Washing on the line, next load in.Went to a climate change plant swap and got there early enough that I ended up helping to set up! 😂 Made a donation to help cover the cost of the hall hire.On down into town then and changed my library books. The local town councillor was holding a surgery there so I stuck my head in to check that the rumours about cutting the library service still further weren’t true. He is LibDem and my politics are fairly aligned so we ended up having a good chat which I think he appreciated 😊 and I came away with some interesting and hopefully, CHEERFUL books - my last batch were so depressing I only read one of them! 😂
Went on then to Gr@pe Tree to restock on certain things. Apparently they will be stopping their sale of cacao nibs after the next delivery as the price is going so high. Looks like the threat to the chocolate harvest I have been reading about is starting to kick in …. 😢
With bulging bags I then went onto our local C0untry Market and encountered one of the ladies from the plant swap again 😊 Got some Spencer sweet peas to supplement my feeble germination, several primula candelabra to help fill in the space by the pond where the Persicarea got taken out and a small, very bright, floral acrylic painting and stand which I will take into work for my desk to REBEL against the bleak, corporate whiteness!Swooped by the local craft shop which is closing down due to the proprietor’s health issues. Found three small craft kits for 50% off and made a donation to their funds for the aid trips to Ukraine that they organise / support.Got home and wrestled with the Toscos delivery - which is when I realise I am not doing as well as I thought … half the anticipated shop was missing. I should have realised last night when I checked out as value was too low, but I didn’t … so will have to shop the gaps in person this afternoon… sigh.Mr KK went over to his parents this morning. Not good. FiL was raving all night, MiL was up all night with him so is exhausted, FiL had to be helped to a chair today so the bed could be straightened and he didn’t seem to recognise Mr KK. Mr KK tried to talk to his sister about it but she just said that FiL had been fine when she saw him yesterday…. It might be that Mr KK has to go and stay there tonight and definitely go over and spend some time there tomorrow as MiL is getting to the end of what she can cope with alone. (When all this started SiL, who is retired, said she would bring the camper van down so she could stay there and help MiL - now it’s come to it, she does very little ….).
Beautifully bright and sunny here. A strange counterpoint to the life experience we are facing atm …
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 44 books of target 52 in 2025, as @ 21st 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.9 -
Does mil have any friends she can escape to for an afternoon? Just for a sit in the garden and have a cup of coffee? When the patient gets demanding, day and night, it is so utterly mentally and physically exhausting - plus the guilt when they do finally pass and it feels like a relief, she needs to be able to talk. Poor thing. It is almost like ptsd.So maybe someone going over, even just for one night on, one night off , would really help, when they get confused about where they are, and what time it is, and when they can't remember that they had you up 10 minutes before, and then demand something ridiculous like fish pie at 3am, then refuse to eat it, and claim you are trying to poison them, and then demand porridge at 4.30, and just scream until you do it,..... honestly, 4 kids with stomach-flu for 7 days was easy, compared to one incredibly demanding 80 year old 24/7. At least you can bribe a toddler! Then the next morning they wake up and are totally normal, and don't believe you!4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******5 -
I don’t think anyone has offered her this option yet. Mr KK will tomorrow.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 44 books of target 52 in 2025, as @ 21st 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.5 -
Spent a lot of the afternoon in the garden 😊 Hit 10K steps.Mr KK mowed, then bashed bindweed in the veg beds followed by pulling ferns.
I have weeded the greenhouse, watered in there, the transplanted rose and amalanchier. My lettuces in the greenhouse are ready to take a light crop from and I think my seed grown onions will be ready to plant out next weekend - they have slowed right down so gave them a light seaweed feed today,
Planted or potted up all of the little plants brought this morning.Dried another two loads on the line 😊
Opened the air fryer box and washed out the innards, ready for first use.
Quite tired now but not exhausted. 😊
We have agreed to skip the party we were meant to be going to tonight. It’s a shame as it would have been fun, but 🤷♀️ there is only so much energy to go around atm.
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 44 books of target 52 in 2025, as @ 21st 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.11 -
Inaugural use of the air fryer tonight …. to reheat half a shop bought quiche. It did rather taste of the air fryer (due to the coating I assume) but it was quick (no preheating marlarkey) and not as scary to use as I thought it might have been.
Tomorrow’s epic task will be rearranging the kitchen ‘stuff’ to make space for it. I think it will probably sit alongside the microwave, on the opposite side of the kitchen to the hub and main ovens. We can’t have it on the same side as existing ovens as we are so short of prep space.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 44 books of target 52 in 2025, as @ 21st 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.8 -
Very productive day.
Sorry FIL is deteriorating and wider family is doing what they seem to! Good of Mr KK to step in.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 29/7/253 -
Sending virtual hugs
Love 🐞
Grow your own: £14.663
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards