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Mortgage free in Forever Home :-)
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Thank you for the love from Summer @beanielou 😊❤️
I now have a soggy George sat on me! So am pinned to the sofa. Fortunately I anticipated his approach and have a blanket between his sogginess - oh the perfume of wet cat! 😂 and me …. 😉 Tgere is much purring😉❤️
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
Just to make you chuckle. Now pinned in bed by Mustard. There are worse things! 😻😻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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Most of mine are willing to be dried with a bit of kitchen towel luckily but yes it's not the best smell.I went back to bed with tea, the kitten and my kindle. Feeling much better as a result.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5 -
George let me go eventually 😊beanielou said:Just to make you chuckle. Now pinned in bed by Mustard. There are worse things! 😻😻
Done my shoulder exercises and some yoga - yowsers I am stiff …
We have a box of tissues on the sofa for such eventualities….redofromstart said:Most of mine are willing to be dried with a bit of kitchen towel luckily but yes it's not the best smell.I went back to bed with tea, the kitten and my kindle. Feeling much better as a result.
But, isn’t this a malfunction? I thought cats were supposed to be rain averse?!Fortunately, somnolence has now descended on cat-kind and all is peaceful ☺️
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
There is outrage about the rain here, reluctant use of the indoor loo, and a lot of playing with long-neglected toys (together with parcour over the furniture).2
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Sending healing hugs @KajiKita now you need to prioritise you, sleeping, nurturing food, gentle exersise, reading, gardening, spending time with your loved ones... anything and everything that feeds your soul, brings you joy and keeps you healthy.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 family2 -
So glad you got the special cake, flowers and so many good wishes. Shows what a toss p*t the boss is. At least you are out of there now. Glad the cats are rallying to give you love and hugs too.
Love the garden spend. Definitely make time to rest and don't just push yourself into a whirlwind of a to do list.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Is it just the kittens purring or are you joining in??? If not I think you should, you have much to purr about.KajiKita said:Thank you for the love from Summer @beanielou 😊❤️
I now have a soggy George sat on me! So am pinned to the sofa. Fortunately I anticipated his approach and have a blanket between his sogginess - oh the perfume of wet cat! 😂 and me …. 😉 Tgere is much purring😉❤️
KKI’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
⭐️🏅😇2 -
Thanks @greenbee, @Baileys_Babe, @savingholmes, @Brie 😊
All the cat grumpiness descriptions are making me smile. 😉 Poor Chloe hurt her left front paw yesterday. We’re not sure what she did but she came in late yesterday dripping blood and obviously hurt. We have had a polite distant look at it (initially she hid from us) and we can see that the claw is more exposed than it should be. She was breathing very fast last night which has calmed now and managed some breakfast. We will see how she goes today - we may need to take her to the vet. She is currently asleep on the sofa next to me so she is somewhere I can keep an eye on her.I did manage 30 minutes in the garden yesterday, doing some dead heading. Started the front of my jumper - cast on 309 stitches and completed the first 4 rows. Also had a mini breakthrough on how to work out the new budget for us - I had been starting at the wrong end. I had been starting at my current budget and contribution to the joint account when actually I needed to adjust the ratio of contribution between Mr KK and myself to reflect what is very likely to be my reduced pay. I have done that and it is far closer to 50/50 than it has been for the last two years. I would have continued but my laptop needed a long restart and I ended up doing other things.Plans for today:
- Job vision ‘board’
- Duolingo sessìon
- Have a further go at the budget for us / me
- At least two rows of knitting
- Planting in the greenhouse
- Sow hardy annual seeds 😊
- Yoga session and shoulder physio
- Monitor Chloe
- Chilling!KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.8 -
Enjoy the day. What a lovely list of to dos (other than worrying about Chloe). You deserve this after the last few weeks.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 !!1
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