📨 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 :-)

1303304306308309642

Comments

  • Cheery_Daff
    Cheery_Daff Posts: 17,253 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That sounds like a reasonable reaction from MIL. It must be a very weird time for her xxx I've not been in that situation but I do think about it a fair bit for various reasons and that's always what I imagine myself doing,  although of course you just never know how these things are going to hit you xx
  • KajiKita
    KajiKita Posts: 7,873 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    We are returned from catio material buying and shower room hunting …
    Got a quote from Br@dfords (builders merchant chain in the south west region) and gave a spec to the independent plumb centre we bought our last bathroom from c. 13 years ago - should get a quote from the latter on Monday 😊
    The good news is that most of the prices, on mid range quality items, are looking better than I budgeted for, which is a relief. That might allow us to go up a bit in spec on the panels behind the shower itself. 

    Mr KK happy as I hate doing this kind of thing (I find it overwhelming with the sheer volume of choices) and now he feels we are getting close to making decisions and buying the stuff. 

    Weather is inclement and we got very cold in the wood stores at the third stop so we have admitted defeat by putting  the heating in for a bit and are having a brew 😊
    LCs are trying VERY hard to mesmerise Mr KK into feeding them yet more treats ….! 😉😂

    KK
    As 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. 
  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That all sounds great. 
    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.
  • KajiKita
    KajiKita Posts: 7,873 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    That all sounds great. 
    Thanks Beanie 😊
    Trying to bring life back into focus again after drifting for a while …

    KK
    As 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. 
  • KajiKita
    KajiKita Posts: 7,873 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 27 April 2024 at 6:18PM
    Went out to the big local garden centre this afternoon and spent quite a bit of money! 😉

    Cleared a lot of oxygenating weeds and slime from the big pond (6 big trugs worth so far and there is more still to do, but I need help to reach them and pull them in to the side) and then got the pond plants set out in the big pond and the little one 😊 I decided that I was going to get cold and soaking wet whatever I did in the garden today, so I might as well wallow in the pond! 😂😉 Rescued one teeny newt and one pond skater 😊
    I also have sweet peppers (mine are dying off 🙄😭),
    Hollyhocks for long flowering and height in the sit spot border,
    very reduced begonia tubers to plant in pots in the east facing courtyard,
    fleece (had to help the assistant fight with this to cut me a 5m length! 😂), need this so I can start moving stuff from conservatory to greenhouse as I am running out of room! 😳😉
    insect netting - I need to protect whatever brassicas I am trying to produce if I am serious about reducing our food bill from the veggie patch,
    two trays of Cambridge blue lobelia (my absolute favourite ❤️),
    necessary trays and pots, 
    a small headed, swan necked onion hoe - I’m not a controlled or accurate hoer so being limited by the width of my stroke can only help 😉
    I then cleaned the Perspex that we got given for free at the builders merchants this morning for the catio 😊 Spuds are now in the air fryer for dinner 😊

    Good to get out and get some air 😊

    KK
    As 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. 
  • That sounds a most acceptable day!
    I'm glad you got some outside time and embraced the spring elements, and that you're spending some of your bonus on things that will bring comfort and joy 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

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

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.