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Mortgage free in Forever Home :-)
Comments
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Maybe I should not have asked.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.3 -
I know, we’re crazy. But I think that’s what happens when you live with someone who works in the building trade … 😉🤷♀️beanielou said:Maybe I should not have asked.
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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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.2 -
No, most builders never finish their own houses....🤣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!!!4 -
Would he like a wee break in Scotland?!KajiKita said:
I know, we’re crazy. But I think that’s what happens when you live with someone who works in the building trade … 😉🤷♀️beanielou said:Maybe I should not have asked.
KKI 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.3 -
He has invites all over the UK …. You did nearly have him at Scotland though! 😉 (A lot of his childhood holidays were up there ❤️).beanielou said:
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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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 have spent pretty much the whole day in the garden, planting, planting, planting ….! 30+ pots and containers emptied and at 13K steps atm … lil bit tired now … but happy 😊
Also, quite proud 😊 D’you remember me saying that I discovered that one of my favourite local plant centres was in the process of shutting down when I went there to try and buy a perennial sunflower I’d owned a few gardens ago, and how gutted I was? Both for the plant centre, but also because I couldn’t get the plant. Well, I did some googling and I am pretty sure it was helenium lemon queen - I bought seed and sowed it this spring and finally got three of them in the ground today 😊😁👏🎉🤩🥳 I feel like a grown up gardener 😉😂❤️ Also, transplanted three purple and yellow flowered asters for late summer colour that I took from little roots from a big plant last autumn 😊
Loads of electric blue damsel flies everywhere (no red ones so far though 🤷♀️), lots of apple set, no pears and very few plums. Had a brew by the pond with Mr KK at 4pm and it was just lovely 😊
Will push on with getting the rest of the plants in the conservatory, in the ground, in the front garden tomorrow and then I will rotate back to the veggie beds again ….
4 rows of knitting done - i appreciate this doesn’t sound like much, but on a blanket that’s reasonable going 😊
Did a couple of QM33 surveys this morning and two loads of washing dried on the line, then folded and put away all, in one swoop 😊👏
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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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 -
Your garden sounds lovely, maybe if I put more plants in I would enjoy it more…Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Boiler fund £105/£3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I think gardens are the one investment where the return is unpredictable but if you get a return it comes tenfold … 😉 I’ve known a few people who just maintain their gardens; weed, trim, sweep, prune, but never add anything. Unless there is a really good stock of plants that can seed around and carry a momentum forward these gardens become kind of ‘static’ ….skint_spice said:Your garden sounds lovely, maybe if I put more plants in I would enjoy it more…Why not start with one small area, perhaps one that you can see from the house, or the back door, or where you like to sit in the garden etc. and just chuck some pretty bedding plants in the ground? It will cost a little, but you will have a thing of beauty you can enjoy for the next 4 to 5 months depending on when you get a frost. Btw, when doing something like this, it’s very worth grouping things together so you get a strong visual impact rather than buying the same amount of plants and dotting them about over a wider area, when they almost disappear into the background … 😊
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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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 -
DS said today that part of the garden was looking a little wild. Yes, it’s the wildflowers 🌻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.3 -
I was abroad two weeks ago and picked up a fabulous v stylish spring weight cool dress for 5 euros, tried to go vintage shopping in another country but the F1 got in the way as the roads were closed.. (grr) and am currently in the Americas and have already been told of the best 2 vintage shops.. I will find something I am sure... and what better momento of a trip than 'oh this dress? I picked it up in XXXX' so yes start a small ynab fund for 2026 vintage !South_coast said:No, most builders never finish their own houses....🤣KajiKita said:@LadyWithAPlan, reading all that makes me think I need shopping lessons! 😂😂 However …. we will be going to Bayeux for a week in 2026 for our second honeymoon (20 years),so will actually make an effort to try second hand shops then 😊 Not something that has ever occurred to me when travelling tbh.
I can swap vintage shopping lessons for house buying commitment lessons?South_coast said:No, most builders never finish their own houses....🤣
So so true and their partners get ever frustrated...
Your garden sounds fabulous
DON'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
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