📨 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 :-)

1349350352354355647

Comments

  • f0xh0les
    f0xh0les Posts: 7,630 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    and when is that lovely whole week off?  :D
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,755 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    edited 5 July 2024 at 3:47AM
    KajiKita said:
    Thank you so much. Reading your responses has made me quite emotional. I have never told anyone else about this …. I really appreciate the support and validation. 

    KK
    They sound insane and horrid, unkind and awful, hurtful and basically reenacting the 2 ugly step sisters 
    I can’t imagine how upset you must have been on such a special day but know this was cos you were not just looking as beautiful and kind as Cinderella but you were also rescuing Prince KKCharming from their wicked clutches 


    however and this is said with love - I wonder  why you feel you have to keep the knowledge of their abuse and insanity to yourself - I get it with mr Kk sort of but  with friends ? Never brought it up with the sister and say ‘you hurt me, you made me feel xxx. ‘ ? 

    At least when they are both ill now you know to not waste time being sympathetic-
    not to get too ‘Misery’  but I’d  be trailing white 50p rice wedding confetti and leave them on the sisters floor on an occasional basis to mess with her head if she doesn’t woman up and apologise  

    on the work … 

    I think if I am not doing my job then I would want actionable steps to correct and get back to speed 

    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
  • KajiKita
    KajiKita Posts: 7,923 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @LadyWithAPlan, I guess I kept it to myself because that has been my pattern for the whole of my life. My upbringing was very much to be ‘seen and not heard’. Also the whole of my wedding day (apart from marrying Mr KK) was dictated by what others wanted, the whole thing was just something to be endured and got through. So what sil and mil did was just more of the same iyswim 🤷‍♀️
    There has never been a time to discuss what they did with either of them. Neither of them are particularly deep thinkers so I suspect it is looooong wiped from their minds. Mr KK is not close to his sister so we very rarely see them - Mr KK has already said that once MiL dies and the house is dealt with he probably won’t have much to do with his sister as they are such different people. 

    Re work, I think they are hardened to and expect to fail. Means they don’t have to face up to, what in them flinches from things ….

    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 45 books of target 52 in 2025, as @ 27th 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. 
  • KajiKita
    KajiKita Posts: 7,923 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    f0xh0les said:
    and when is that lovely whole week off?  :D
    3rd week of July! 😊🤩❤️👏

    I’m seeing different friends all week, interspersed with time to myself. Just what I need 😊
    I will have to do some ‘chores’ but I am going to try to either minimise them or in,y do the ones I actually want to to do. 

    Afternoon off today as have blood test and dental check up, but at least I don’t have the commute today 😊

    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 45 books of target 52 in 2025, as @ 27th 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. 
  • Watty1
    Watty1 Posts: 6,942 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    All I can say in catching up with the work situation is good news re the bathroom.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • redofromstart
    redofromstart Posts: 5,872 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Cutie pants! Mine mostly dislike each other sadly - including mother and son. 
  • KajiKita
    KajiKita Posts: 7,923 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh and another small update ….
    We’ve been approved for the 4.85% mortgage loan, fixed for three years. Hope we don’t have to take that one ….
    Next step will be to talk to existing lender in August (they have sent us a redemption statement for the potential new lender so hopefully that will wake them up to the fact that we are looking). 
    3rd step will be to look at what’s available as options / rates in September … 🤞

    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 45 books of target 52 in 2025, as @ 27th 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: 13,451 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gorgeous kitties!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.6K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K 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.