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Mortgage free in Forever Home :-)
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PennysIntoPounds said:Perfectly normal to have a phase of feeling mentally battered after a trauma- if your workplace relations had been a romantic relationship everyone would have been screaming at you to get out but somehow we're expected to brush off toxicity and emotional abuse in the place we spend the most time!
Take as long as you need to rest and let yourself recover. As long as there's a roof over your head and food on the table, everything else can be dealt with when you're ready.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.4 -
South_coast said:Sorry to hear about the doom 🙁 Not surprising though. You are extremely capable woman, but your confidence/identity is bound to have taken a bit of a knock with everything you've been through this year.
Are there any recruiters you could speak to that could do the hard work of looking for a job for you? Wasn't there one that approached you about a role a year or so ago? They might be a good starting point, as they'll already have a good idea about you xPennysIntoPounds said:Perfectly normal to have a phase of feeling mentally battered after a trauma- if your workplace relations had been a romantic relationship everyone would have been screaming at you to get out but somehow we're expected to brush off toxicity and emotional abuse in the place we spend the most time!
Take as long as you need to rest and let yourself recover. As long as there's a roof over your head and food on the table, everything else can be dealt with when you're ready.I have managed to do a thing this morning ….
The section of flowerbed by the gate is now planted up and looks much brighter - I was going to do before and after pictures, but the light is so odd atm they haven’t come out very well. In MSEness, I have recycled some London pride and purple bugle from elsewhere in the garden, as I hope they will knit together and provide shallow rooted ground cover. This area is where the fibre broadband comes in from the lane so I am paranoid that anything deep rooted here might damage it!Mr KK’s washing is on the line along with the apron and oven gloves, which have also been given a birthday 😊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 -
You have nothing to feel guilty about. Permission to not feel guilty.
The flowers sound lovely, good to be able to get a wash on the line too. I should wash our oven gloves soon, bit scared they'll fall apart if I remove their layer of burnt grime 😂3 -
Maybe you could do a bit of "catio-awareness' locally for Mr KK, while you are having a decompress. Every little helps, and side hustles add up.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******4 -
PennysIntoPounds said:You have nothing to feel guilty about. Permission to not feel guilty.
The flowers sound lovely, good to be able to get a wash on the line too. I should wash our oven gloves soon, bit scared they'll fall apart if I remove their layer of burnt grime 😂
Tne washing came back in almost perfectly dry! 😊👏 Apart from the oven gloves (no surprise there to be fair 😊) but I have hung those back up on the front of the oven and they can gently dry in the warmth of the kitchen.
Oven gloves are surprisingly repairable. I have fixed a few over the years - they are structurally quite simple …f0xh0les said:Maybe you could do a bit of "catio-awareness' locally for Mr KK, while you are having a decompress. Every little helps, and side hustles add up.Spent a goodly chunk of the day in the garden. After sorting out the front bed I have braved one of the worst areas of the garden …. the bed opposite the cellar / utility door …Believe it or not, there is a young magnolia in there somewhere …. (you can just see some of the leaves under the biggest fuchsia flower.)The fuchsia has survived better than I expected and I can give that a good prune and feed next spring. 😊The two big, going-for-the-skies-either-side-Hazels are going to be coppiced down to stumps. This will make the neighbours happy as it will help the light levels on that side of their house 😊 I will need a new pruning saw to complete this task - using my old one is like trying to cut it down with a butter knife! 🙄😉😂 (I have funds left from my holiday pocket money I can buy this from 😊)
There is vast amounts of hardy geranium in here - I’m pulling it out by the armful… Not sure what the thing on the left front is, but that is going to be chopped severely back and dug out.Some of the geranium will get replanted down in the ‘copse’ (grand name for a few trees and brash together 😉) and I have found a long, semi rooted ‘string’ of the vigorous, gorgeously scented, frost proof jasmine (on the right, by the post) and potted up four semi rooted sections of that. I have friends who might appreciate some of that and I will take a take a couple of bits down to the copse as well, or maybe even pop a section in under the contorted Hazel …. 🤔
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 -
Where has my energy gone ….? 👀🕵️♀️🔍
Yet again, another quiet day here as I am feeling tired.
- Touch of decluttering in the lounge, filing and decluttering in the office - lots of recycling identified and has left the house! 💪
- I’m trying to get back to eating less / better / more economically. Paid yearly subs to new-tracheck and am tracking everything - the biggest shock is how much water it thinks I should be drinking! 😉😂
Made a soup today from red lentils, stock pot, pearl barley (cooked that separately and added toward the end) carrots, celery, a cleaned up, half (leftover) cauliflower and a peeled broccoli stalk. It came out really well and I have three portions left for in the week 😊
- Flat packed the heated airer in the conservatory to make space, so Mr KK can dump everything he brings back from the militaria sale he was at today and repack his van for work tomorrow.
- Did all my financial updates. I. Am. Spending. Too. Much. Sigh ….Partly it’s circumstances (costs for the work on the house, TV died so we needed a new one, new mortgage and legal fees) but it’s also because when I am sat at home with no job I find new and creative ways to spend money on some useful / needed stuff, but if I am honest also some fritter. Time. To. Stop!
- Paid said mortgage legal bill - £209.22 🙄🤷♀️- Got out in the garden for half an hour or so - dragged the big hazel poles down to the bottom of the garden where they can lose their leaves in peace before I store them. Chopped some wood to start the wood burner tonight. Mooched about - has anyone else got roses powering up to flower a third time this year?! 🤷♀️😊
And that’s about it ….
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 -
As far as I can see roses have no interest in what season it's meant to be or what the weather is. Our climbing rose is in full bloom with loads of buds. Which is a shame because it really really needs a mega prune and it's clearly not interested in packing up for the winter.4
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Viking_mfw said:As far as I can see roses have no interest in what season it's meant to be or what the weather is. Our climbing rose is in full bloom with loads of buds. Which is a shame because it really really needs a mega prune and it's clearly not interested in packing up for the winter.
Which reminds me, I should start lifting and drying my begonias and dahlias ….
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 -
I need to give my huge 50 plus year old wisteria a major prune before the roof repairs start, but of course this year it is still pushing out growth. The temporarily heeled in for the winter (at least ten years ago) David Austin climbing roses are clearly about to flower again so no, not just you.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo4 -
KajiKita said:Where has my energy gone ….? 👀🕵️♀️🔍
Yet again, another quiet day here as I am feeling tired.
- Touch of decluttering in the lounge, filing and decluttering in the office - lots of recycling identified and has left the house! 💪
- I’m trying to get back to eating less / better / more economically. Paid yearly subs to new-tracheck and am tracking everything - the biggest shock is how much water it thinks I should be drinking! 😉😂
Made a soup today from red lentils, stock pot, pearl barley (cooked that separately and added toward the end) carrots, celery, a cleaned up, half (leftover) cauliflower and a peeled broccoli stalk. It came out really well and I have three portions left for in the week 😊
- Flat packed the heated airer in the conservatory to make space, so Mr KK can dump everything he brings back from the militaria sale he was at today and repack his van for work tomorrow.
- Did all my financial updates. I. Am. Spending. Too. Much. Sigh ….Partly it’s circumstances (costs for the work on the house, TV died so we needed a new one, new mortgage and legal fees) but it’s also because when I am sat at home with no job I find new and creative ways to spend money on some useful / needed stuff, but if I am honest also some fritter. Time. To. Stop!
- Paid said mortgage legal bill - £209.22 🙄🤷♀️- Got out in the garden for half an hour or so - dragged the big hazel poles down to the bottom of the garden where they can lose their leaves in peace before I store them. Chopped some wood to start the wood burner tonight. Mooched about - has anyone else got roses powering up to flower a third time this year?! 🤷♀️😊
And that’s about it ….
KK
MFW 2025 #50: £1139.75/£600007/03/25: Mortgage: £67,000.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
07/03/25: Savings: £16,5004
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