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Mortgage free in Forever Home :-)

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  • f0xh0les
    f0xh0les Posts: 7,630 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Yes, in your honour!  they are the official dedicated KajiKitaRunnerBeanBunch  (East Midlands Branch) they are destined for greatness.
    I am greatly enjoying the warmth and sun for once.  I hope you and Mr KK are having a lovely time as well.
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    You could also try pouring Fel1x soup over their food.  THe sachets are wee & one between them both would be fine.
    I’ve not come across that. I will look out for it, thank you 😊

    Mr KK mixed in a randomly selected tin and again, they inhaled the lot this morning ❤️

    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. 
  • redofromstart
    redofromstart Posts: 5,871 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Mine get bored of whatever they are fed so we change regularly. Kitten food was never popular, except with the old man cat who used to steal it with enthusiasm while they ate his.

  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 23 June 2024 at 7:50PM
    Mine get bored of whatever they are fed so we change regularly. Kitten food was never popular, except with the old man cat who used to steal it with enthusiasm while they ate his.

    Oh that’s brilliant! 😉😂😊
    LCs still eating well here - Happy KK family 😊❤️

    Cleaned the bathroom and loo.
    Dried washing on the line. 
    Made a sausage casserole batch from all store cupboard and freezer stocks and herbs from the garden 😊 
    Got the last of the beans IN THE GROUND!!! 🥳🎉😁🤩😂
    Watered lots of new plantings. 
    Propped up the peas that are meant to be a short variety but are already c. 6 feet tall and still going! 😳 Absolutely covered in pods - I have never, ever, done so well with peas before 😁🤩
    Was defeated by the warmth this afternoon and watched Bridgey to the end, rather than going back in the garden.
    4 rows of blanket done 😊
    Hoping to pop out in a minute and hack back some bindweed in the coolth of the evening 😊

    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. 
  • redofromstart
    redofromstart Posts: 5,871 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Wow that's good with your peas, mine are thirsty in the tunnel and a foot or so. My first broad beans didn't set and are now covered in black fly after a week away, ready for binning I think. 
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Wow that's good with your peas, mine are thirsty in the tunnel and a foot or so. My first broad beans didn't set and are now covered in black fly after a week away, ready for binning I think. 
    I’m amazed about the peas, honestly! 🤷‍♀️🤩😳😂 I will check what variety they are and make sure I sow them again next year as they must like my soil and Mr KK LOVES fresh peas out of the pod 😊

    Did 3/4s weed one bed - the cut flower bed. Pleased with that. Gave up when I realised I was whacking more big midges trying to bite my bare legs than I was pulling weeds out 😉😊

    Updated my produce tracker total - it’s steadily ticking up 😊

    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. 
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the produce. 

    Hope you remember to book the holiday and blood test tomorrow.
    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 29/7/25
  • KajiKita
    KajiKita Posts: 7,905 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on the produce. 

    Hope you remember to book the holiday and blood test tomorrow.
    Done (3rd week of July) and done (5th July - same day as my dental check up! 😉😂). 
    Also got my prescriptions reissued as part of the same call and collected most of them after work (the local pharmacy never carries enough HRT for me to collect the whole prescription in one go). Feeling relieved 😊

    30 minutes of bindweed bashing - barely cleared two square feet! 😳🙄 Mr KK managed to get his new core plug back in to the Bedford engine block 👏💪😊 Cats are still loving their food - we have been promoted to BEST Hoomans at meal times now … 😉😂❤️ (I know I keep on about this, I hadn’t realised how low level worried I was about their lack of eating 😊).

    This evening i have done the downloading of the mortgage lender solicitor’s app, uploaded ID and address proofs, completed a huge questionnaire etc etc. Included a copy of the building control certification etc for the living room changes. 
    They asked me if I expected to be in debit or credit at the end of the process. I had no idea! So I said in credit by c. £200 - I had to name a number 🤷‍♀️
    We need an emailed copy of the mortgage deed as you can’t do anything with it from the app and it needs downloading, wet signatures, witnessing and posting. I have messaged them and asked them to email it to me and we will get our neighbours to witness. 

    That’s enough! 😊😉

    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. 
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