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Mortgage free in Forever Home :-)
Comments
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SandyShores said:The first knit please, where do we send our orders
(I would go a size up as I prefer a slightly loose fit
).
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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.4 -
Your boss sounds awful, I hope you have a lovely weekend of relaxation and fun🙏Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 0/244
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)2 -
Mr KK is chuckling at the queue for a jumper now, after the queue for the catio …. 😉😊❤️
Didn’t sleep well. Shoulder still jippy and didn’t slather up with pain relieving gloop last night - yes, I will do it again tonight…. Also, the mattress topper has a dip in it as well as the mattress, so have taken the hit and ordered a new one of those as well … 🙄 (via TCB so at least I will get a little OP out of it. Due to come next Thursday when I have my next day off 😊
Harvested a cucumber and 300g tomatoes yesterday - the mini tomatoes I had for lunch and the bigger ones Mr KK will fry up for his steak dinner tonight 😊 (so that saved me buying a full pack of vine tomatoes. I really should try and update my produce tracker - I am miles behind now though …. ).Not a lot on the agenda today. The main thing i want to do is a declutter and clean of my bedroom, as that would be a really positive quality of life thing to do. Deadheading of sweet peas, cosmos etc is also needed - will cut some and bring them in as well 😊 Other than that, more knitting 😊❤️, get my cross stitch on the new frame I picked up yesterday, wrangle groceries and maybe doze in the chair outside in the shade this afternoon 😉
KKAs 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 48 books of target 52 in 2025, as @ 31st 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.5 -
You should definitely prioritise the dozing in a chair
love 🐞
Grow your own: £14.662 -
I have deadheaded and cut flowers 🤩❤️
I have also ‘excavated’ the garlic and shallots from under the overgrowth of weeds and bindweed and what I have managed to harvest are now drying in the sun 😊 I think I will start my garlic early this year (I don’t usually start them until Christmas) so I can harvest them earlier next year. Shallots seem to cope with being swamped with bindweed, garlic less so 🤔
KKAs 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 48 books of target 52 in 2025, as @ 31st 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.7 -
In the melee of life that I have been living recently I had forgotten that my energy deal is now get-out-able-of without penalty, so it’s time to see what else is available…. 🤞
KKAs 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 48 books of target 52 in 2025, as @ 31st 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.6 -
Glad I made you laugh @KajiKita 😊
Those flowers look so beautiful!
Have a lovely day, definitely prioritise the snooze in the garden
No hate mail from me @South_coast, just pure simmering resentment for which they will one day pay *cackles*
*does nothing other than voting another way, but believes they'll know full well* 😁
2 -
Done all my £cial updates. Spent a bit too much on new sleeping supports (mattress and topper) and knitting, but hey … 🤷♀️
Switched to the Cephalopods - 12 months fixed rate (£212.68-ish, pcm - an extra £48 pcm - ouch 😣 ) without exit penalty so we know where we are for the next year. Need to submit meter readings to them on the 25th September (a Wednesday - deep joy) as I have managed to delay the start to the 30th, so I must remember to send off the meter readings to the French company on our current cheap rate at the same time!Run that number through my spreadsheet and we still have some head room for the mortgage increase yet to come ….
Produce Tracker update next ….
KKAs 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 48 books of target 52 in 2025, as @ 31st 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.5 -
We spend a third of our lives in bed, if its not putting you in debt then it's absolutely the right decision to invest in it, you're doing your current and future self a big favour in so many ways
Great financings with the energy and mortgage, that increase is rather ouch but as you say at least you know where you stand and can plan around it2 -
Were you with the cephalopods before? Remember with the app you get a free drink at either gr3ggs or n3ro every week. Not enough to make up the difference every month but some of the drinks are upwards of £4 so it can make up for some of it. They do 2 for £10 cinema tickets too.2
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