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Mortgage free in Forever Home :-)
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Damm. You beat me to it!!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
).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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4 -
Your boss sounds awful, I hope you have a lovely weekend of relaxation and fun🙏Mortgage OP 2026 £960/2000Mortgage balance: £31,460
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £02 -
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 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 of £400 in 2026
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 🐞Declutter 1352/ 2026
£145.56 saved by growing and eating my own 2026
books read 8in 2026
£320 🥳 funpot
🐞change pot £79.632 -
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 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 of £400 in 2026
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 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 of £400 in 2026
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* 😁
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
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 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 of £400 in 2026
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 ithttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
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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