📨 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 :-)

1378379381383384654

Comments

  • KajiKita
    KajiKita Posts: 8,013 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Got paid on Friday so have done all my budget resets, money shuffles etc. 
    Have had to increase cat food budget to £200 - if that doesn’t create a buffer they will be leaving!! 😉
    EF still only at 4.8 months (I am targeting 6) but at least the £800 new mattress effect has been cancelled out by my usual monthly savings and what I had left over at the end of the month. 
    Moved an additional £500 to savings and sent £200 to OP (really wanted to send more to OP but was firmly sensible! 😉) plus a 14p TT 😊🥳
    Updated my signature as I wasn’t able to a few weeks ago. 

    Time for breakfast 😊

    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 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. 
  • KajiKita
    KajiKita Posts: 8,013 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You know how people know the state of weather by looking at seaweed …. Well, it appears that Little Cats offer the same service. Three times so far today, the cat flap has ERUPTED with a Chloe hurtling through, followed a short time later by Georgeous. Each time they look perturbed and affronted. Each time, I look up and out of the French doors and it is tanking it down with rain …. ☔️😉😂

    - Coffee table in the lounge cleared and cleaned. This led to various things being properly homed again - what is it about wooden clothes pegs that mean they wander about all over the ground floor of this house …. 🤔
    - The omni folder of recipes has been reviewed. Veggie options worth keeping have been shuffled off to my folder, Mr KK’s favourites are in a new folder (the old one had got all distorted) and I have a pile of recipes, that *might* be of interest to him (after excluding any that put meat and pulses together) for him to review when he gets home. 
    - Cleaned the shelf behind the kitchen sink including the shallow glass bowl that holds the scrubby, the nail brush, the cloth etc.
    - Cleaned the bottom shelf of fridge and all areas below it. Filtered the remains of what Mr KK had left in there for lunches (the green ham had left the building!! 😳). 
    - Done some knitting and some cross stitch 😊

    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 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. 
  • greenbee
    greenbee Posts: 17,902 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The cats may be the ones spreading the clothes pegs... at least, they do here. I'm getting similar complaints about the rain. How is it that sometimes they can sneak in through the cat flap without you knowing, and at other times they are like door-slamming teenagers? As for their opinion of the wind getting up suddenly at 5am on Thursday and Friday... 
  • f0xh0les
    f0xh0les Posts: 7,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    And for drying lino- prints!   little string washing lines appear on the radiators complete with pegs.  Ah, boys and their toys!
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • Brie
    Brie Posts: 15,053 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Yes apparently the driving rain drove a cat right into our place too.  OH saw it shooting off down the hall once it discovered the house was already infested with people.  
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇🏅🏅
  • KajiKita
    KajiKita Posts: 8,013 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Brie said:
    Yes apparently the driving rain drove a cat right into our place too.  OH saw it shooting off down the hall once it discovered the house was already infested with people.  
    Wow … How very unsettling, for both you and the cat! 

    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 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. 
  • Baileys_Babe
    Baileys_Babe Posts: 6,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Could you get Mr KK some pegs specifically for model making?
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • SandyShores
    SandyShores Posts: 1,987 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    greenbee said:

    How is it that sometimes they can sneak in through the cat flap without you knowing, and at other times they are like door-slamming teenagers? 
    This totally.  Mine is a very noisy teenager cat, announces his arrival every time he comes home several times a day.  If he jumps off the bed in the day it sounds like a hippo coming through the ceiling.  But on a very few occasions when he's gone out early evening I've found myself worrying about him being out so long later, only to find him already sleep on the bed.  🤔😼🤣
    "Think of many things, do one"
    Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.5K Work, Benefits & Business
  • 599.8K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.1K 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.