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Mortgage free in Forever Home :-)
Comments
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Glad the money went in without hassle. Always stressful waiting.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
Glad too money is received.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 -
Thanks all 😊
I have done the monthly money shuffles, left enough in my current account (with a small buffer) and pinged the rest over to my easy access, okay interest savings account. (It was getting close to my bank’s daily transfer limit - not something I usually have to worry about 😉😊).
Updated my YNAB sheet for November.
Updated the interest rate to 3.85% on my mortgage OPs tracking sheet that I use to (roughly) calculate the interest saved …
The interview lasted a solid hour.
Recruiter is going to recommend me to go through to the next stage, which is an hour long interview with the HR officer, via Teams.
If I get through that, then there are tests followed by a site based interview and a presentation! I will have flipping earned this job if I have to do all this ….
Recruiter asked me for two referees from previous roles do have contacted them to ask nicely.At this point I have had enough and am taking the rest of the day off! 😉
Am also very grateful that our new mortgage deal is sorted, as the R33ves moves are causing concern it seems ….
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.10 -
Good luck with the interview process and enjoy a well deserved weekend. 3.85% doesn't sound too shabby, well done on getting that sorted."Think of many things, do one"
Mortgage 31Dec'25 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga3 -
Envisioning us looking all wafty in a circle with our Isadora Duncan scarves creating a KK interview vortex!f0xh0les said:We are all behind you doing interpretive dance 🩰 🩰 for your success. I am sure you can imagine us all dancing round the kitchen, creating positive vibes....
Wouldn't it be nice to have all that buffer in the bank, plus getting a salary nearly immediately?
(Mr KK banging on something creating a nice slow tempo for the dance)
(kittens nearby licking their paws and pretending they are bored and wanting dinner)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
⭐️🏅😇🏅🏅🏅
STRUGGLING DURING THE HOLIDAYS??
click here for ideas on how to cope....Some websites and helplines if you're struggling this Christmas — MoneySavingExpert Forum5 -
LOVE the (slightly scary) idea of all us MSE'ers doing interpretative dance, I am feeling big arms waving like treesf0xh0les said:We are all behind you doing interpretive dance 🩰 🩰 for your success. I am sure you can imagine us all dancing round the kitchen, creating positive vibes....
Wouldn't it be nice to have all that buffer in the bank, plus getting a salary nearly immediately?
With @Brie (v fun) apart from the lets leave the scarves alone, given how much damage they did to Isadora. I am wearing purple and waving apple tree stems, broken under the weight of falling apples (indicating LOADSAMONEY) The KK vortex is a special place
How exciting your bank is having a 'we're rich' moment! How long were you there for?DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
This all becoming somewhat surreal … 😂
Also a no to scarves from me as I don’t have a risk assessment for them! 😉😂😂Weighed in this morning. Lost 5lbs (a LOT of which will be water) but it does explain why I am feeling better already. Biggest learnings are portion sizes and how short of protein I am ….Actions to try to rectify this:
- Keep using small plates for lunch
- Eat tofu 🙄 as above 😉
- Try mixing cottage cheese and an egg and cooking in air fryer - this sounds quite promising to me with some finely chopped shallot
- Try debtfreewannabe’s bean burger recipe that includes sala as that looks less dry than the typical
options.KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 keep seeing the egg and cottage cheese thing for using as a wrap which makes sense.Well done on the 5lbs.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo5 -
Thank you 😊 Now it has to become sustained. I have to say how much the app has evolved has really helped 😊redofromstart said:I keep seeing the egg and cottage cheese thing for using as a wrap which makes sense.Well done on the 5lbs.
The egg and cottage cheese thing as the inside or the outside of a wrap?KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Apparently you mix together and flat bake on a lined tray to make the outside of a wrap. I already use two whisked eggs in my pancake pan to make a very thin omelette to use as a wrap because I don't like the gluten free ones.
for me the addition of cottage cheese would give me much needed calcium. I hadn't even thought about protein but probably should given how my eating has changed in recent weeks.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo5
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