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Mortgage free in Forever Home :-)

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  • beanielou
    beanielou Posts: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Maybe I should not have asked. 
    I know, we’re crazy. But I think that’s what happens when you live with someone who works in the building trade … 😉🤷‍♀️

    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 = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £353 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. 
  • South_coast
    South_coast Posts: 5,910 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    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!!!
  • beanielou
    beanielou Posts: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    beanielou said:
    Maybe I should not have asked. 
    I know, we’re crazy. But I think that’s what happens when you live with someone who works in the building trade … 😉🤷‍♀️

    KK
    Would he like a wee break in Scotland?!
    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: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    KajiKita said:
    beanielou said:
    Maybe I should not have asked. 
    I know, we’re crazy. But I think that’s what happens when you live with someone who works in the building trade … 😉🤷‍♀️

    KK
    Would he like a wee break in Scotland?!
    He has invites all over the UK …. You did nearly have him at Scotland though! 😉 (A lot of his childhood holidays were up there ❤️).

    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 = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £353 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. 
  • skint_spice
    skint_spice Posts: 13,445 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your garden sounds lovely, maybe if I put more plants in I would enjoy it more…
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Your garden sounds lovely, maybe if I put more plants in I would enjoy it more…
    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’ …. 

    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 … 😊

    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 = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £353 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: 95,771 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,755 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    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 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 !

    I can swap vintage shopping lessons for house buying commitment lessons?

    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#latest
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