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Mortgage free in Forever Home :-)
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The recruitment activity all sounds crazy ... go you! Cheering from the sidelinesMade 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 -
How do you manage to get your tulip bulbs stay in place and not get eaten? I'm not sure what gets mine, squirrels, foxes, slugs?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.
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"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇1 -
Brie said:How do you manage to get your tulip bulbs stay in place and not get eaten? I'm not sure what gets mine, squirrels, foxes, slugs?
What kind of tulips are you planting? Do they come the first year and the fade away - if you wax them to become perennial you need to use species tulips. They do like good drainage so if you have wet ground they might just be rotting off?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.4 -
I only grow tulips in pots, in nice gritty compost, which are kept on stone walls away from the pesty mice and slugs. I bought some a few weeks ago and the nursery said better results if you plant in November (by which time I will have forgotten I bought them!)My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo4 -
Watty1 said:The recruitment activity all sounds crazy ... go you! Cheering from the sidelinesNo vacancies to actually apply for.Nice text chat with my ex inspector giving me tips on how to job search, bless him 😊❤️Planned call with recruiter just to get me set up on her books.Unexpected call with further recruiter for a role in an organisation that meets my vision board post it of ‘does some good in the world’. He’s not sure if it would pay enough so he’s gone away to talk to them as I am immediately available and have 90% of the experience they need.I then dozed off on the sofa … I think yesterday was a bit intense as I was still quite wired when I went to bed and couldn’t sleep initially, so I took myself off to bed for an hour.Eventually had some lunch, washed up and took myself outside to finish off the Hazel cutting. Oh my word, what an epic that became. Took me an hour and a half and Mr KK had to help me process it when he got home …. Lots of potential bean sticks, some lumps of possible fire wood / kindling sticks. It meant he couldn’t cut the grass but it should be dry enough tomorrow for that.I forgot to mention yesterday. Had a useful chat with mortgage broker. He has confirmed that we can repay up to 10% of year’s starting balance (I had found the paperwork wording quite confusing and thought we couldn’t), we will be getting £250 cashback and because the redemption statement came out the day before our last usual mortgage payment we should get pretty much all of that (£1650) returned to us. I had a chat with Mr KK over dinner about all of this and we have agreed that I will top up the joint household account to £1K and then keep whatever is leftover to compensate for all the spends I have made lately (mortgage fees, skimmer labour costs, builders merchant’s bill, new TV), which will bolster my savings helpfully 😊Oh and I worked out that my personal savings are back up to 6 months of absolute bare minimums, and that’s before my settlement payment should arrive Friday, so I am feeling a bit more secure 😊
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.12 -
Another phone call with potential recruiter getting me set up on their books. I will ring all of these people in a couple of weeks to remind them that I am still around … 😉
Recruiter who was suggesting me for the ‘does some good in the world’ role has come back and unfortunately it’s not a goer - I would need to be able to properly read technical drawings and I can’t 🤷♀️ (I was upfront when I saw how high that was in the job description). It’s a shame as they really liked the look of the rest of my CV so at least I had some positive feedback and my jumping around (3 redundancies and the latest job ending after 2.5 years) didn’t put them off 😊 Same recruiter has another possible that he has submitted my CV to, late today …
- Chucked the kitchen radio on and made a start on the open glass shelves that the cooking oil, vinegars, herbs, spices etc live on. 2 of 4 shelves done, all contents also wiped down and checked for date / condition 😊
- Collected my prescription. Due to our holiday I was running a bit low so it’s good to have that ‘back in stock’ 😊
- Read some of the novel I am currently plodding through. I am tempted to drop it ….
- Pricked out some calendula seedlings
- Potted up some garlic - what was available in the garden centre is really poor this year so I also planted up some of my larger cloves from this year’s crop
- Edged and mowed the ornamental beds and when Mr KK got home he trundled around on the ride on mower. It’s looking a lot neater out there.- 9.3K steps 😊
Its felt like a positive day 😊
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 -
I never make myself finish books I am not enjoying. Reading should be a pleasure, not a chore.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5 -
Life is very hard ….
Not! 😉❤️
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 -
Also, am I allowed to take a certain amount of personal satisfaction in knowing that my old work haven’t found anyone yet …. I know this because they have given the vacancy to the second tier agency who only get to have a go at a vacancy once the first one has tried for a month … The first agency had received 20+ applications (according to LI data) so maybe no one met their (extensive! 🙄) criteria …? 🤷♀️😉
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 -
LI data is generally wrong - that's the number of people who click through to look at the link. We generally find that a high percentage of those don't actually apply! Given you said they had to add to the JD based on what you actually did, the chances are most people aren't prepared to take on what you were doing. So maybe a. give yourself credit for being so capable, and b. think carefully about the scope of the next job.4
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