We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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 :-)

1321322324326327690

Comments

  • KajiKita
    KajiKita Posts: 8,496 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sounds like the funeral went well, perhaps MIL just wanted time to herself after putting on a brave front up til now.
    We think that. She has her rescue cat as company in the house at least. 


    As 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 59books of target 52 in 2025, as @ 18th October 
    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. 
  • Brie
    Brie Posts: 15,543 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Suspect MiL's cat will get both soggy and over hugged for a couple of days at least.  And talked at a lot.  

    Your catio and residents look great.
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇🏅🏅🏅
  • KajiKita
    KajiKita Posts: 8,496 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Feeling virtuous. 

    Done three small surveys. 

    Wrote a covering letter for a cheque my mother sent to me last week (she usually does a BACs transfer but that is too difficult now apparently 😢) to go into my savings account and a second covering letter for an annoying and random £11.47 refund on some house insurance thing we got last November but I never got around to doing anything with because they only put Mr KK’s name on it (The Patriarchy is alive and well it seems 🙄 Grrrr!) to go into our ‘Groceries’ account as that is in joint names. They gave both gone into one envelope with second class stamp and hopefully will appear in our respective accounts next week. (I did try scanning the cheque from my mum but the app was freaking out about the additional lines she had put on the cheque after ‘only’. Again 🙄). Walked the envelope to the nearest post box. 

    Spuds are in the air fryer to have with our individual versions of bolognese for an easy dinner tonight 😊

    KK
    As 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 59books of target 52 in 2025, as @ 18th October 
    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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,940 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    That's a productive flurry! Grr to the patriarchy.

    What a nice pic of the cats, are you definitely going to get rid of the catio? They seem to enjoy it and it would be a nice space for you to sit in with a comfy chair and a book with the rain pattering down all around. I'm jealous of the catio 😁

    Such a compliment to be asked to do the uncle's eulogy, maybe this could be a new sideline income?!
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 59

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • KajiKita
    KajiKita Posts: 8,496 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That's a productive flurry! Grr to the patriarchy.

    What a nice pic of the cats, are you definitely going to get rid of the catio? They seem to enjoy it and it would be a nice space for you to sit in with a comfy chair and a book with the rain pattering down all around. I'm jealous of the catio 😁

    Such a compliment to be asked to do the uncle's eulogy, maybe this could be a new sideline income?!
    Yes, definitely going to get rid of the catio. It takes up half our patio and we can only open one of the french doors. It’s just an interim measure until they get big enough and confident enough to cope with next door’s bruisers and until they come to trust us enough to be allowed out on their own. We do also have a (very untidy! 😉) conservatory 😊

    KK


    As 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 59books of target 52 in 2025, as @ 18th October 
    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. 
  • beanielou
    beanielou Posts: 96,731 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wee cuties 😻😻
    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.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got some sleep. Enjoy your time to yourself this weekend too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • KajiKita
    KajiKita Posts: 8,496 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 17 May 2024 at 7:59PM
    Thanks @savingholmes 😊

    Today has been productive and I am shattered now, but in a good way 😊

    - cleared the cut flower bed - that took longer than I expected, lots of bindweed.
    - as it started getting too sunny I took myself back in the house to clean the kitchen sink and cleaned and refreshed the water filter jug 
    - emptied and wiped down both kitchen bins
    - ordered a metal circular needle for my blanket as the bamboo ones feel nice but catch too much ….
    - three loads of washing done, dried and all put away! 👏😊
    - aimed to do four rows of my knitted blanket - have done nine 
    - planted out small dahlias into cut flower bed
    - rescued a bumble bee from drowning and put her on a Shasta daisy head in the sun 🌞 
    - edged all the ornamental beds and then hover mowed them - this is a job I have been meaning to do for a while so I am really pleased this got done today as it was just getting away ….
    - repotted the 2 house plants that live in my bedroom - chain of hearts and Chinese money plant 
    - tried to do four surveys but kept getting bounced - managed one
    - watered everything in the conservatory 
    - updated / amended the toscos delivery due for tomorrow
    Sustained 3 injuries - two horrible bites and a grazed knee. The bites were from some teeny, tiny, black fly with shiny wings - might be a hawthorn fly? They actually draw blood! 😳 Lathered up with cream and a tablet so hopefully I won’t react too badly 🤞I will put more cream on before going to bed tonight. 

    Tomorrow I won’t get much chance to do anything in the garden as my whole morning will be taken up with a haircut. Later in the afternoon, as the sun starts to drop I will ‘deplant’ the greenhouse and hopefully, start to plant it up again as well 😊

    Looking forward to my bed tonight! 

    KK
    As 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 59books of target 52 in 2025, as @ 18th October 
    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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,940 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    That is a productive day! You'll definitely enjoy your kip 😊
    What are you getting done with your haircut?
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 59

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
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
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K 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.