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Mortgage free in Forever Home :-)
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Not me but him indoors.....rang me up at work to ask if I could swing by Sainsbugs to pick up the groceries. Seems he's left his manbag at home, had done the whole sweep around the huge store and got it all rung through only to realise he'd no way to pay. Customer service said they'd keep everything in the trolley waiting safe.
I got there and went to customer service and they said as there were chilled items the trolley was in the fridge out back. Someone got it, I was presented with the receipt, duly paid and then wheeled off to the car. Loading the car I wondered at some of the items purchased as a bit weird. Wasn't until I got home I discovered that someone somehow had extra items to the trolley that weren't part of our shopping.
Filtered out the stuff we wouldn't use and picked up a bit more for luck and took it to the food bank.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
⭐️🏅😇6 -
You are all lovely 😊
After the cuppa I got out in the garden for an hour and cleared another half square metre of ground in one of my half done jobs - only a half metre2 as it is so congested and my shoulders start to suffer! But, it’s progress 😊❤️
Healthy, calorie controlled lunch - the egg and cottage cheese thing with finely chopped HG shallot, H sprouted mung beans and a quarter teaspoon of m@rmite - that worked well 😊 Served with air fryer’d tomatoes and two satsumas - nootracheck very happy with my plants intake 😉
Tai chi - lovely, lovely, lovely. Left with a smile on my face. Have plans for bits and pieces of daily practice 😊Once I came home, fed the cats as I woz mugged! as soon as I opened the door 😉🤩❤️, washed up, emptied both kitchen bins and put my clean bed linen on.A good 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: £272 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 -
Glad you recovered well.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 29/7/250 -
Belated happy birthday 🥳 🎂😫Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Been mugged by the cats made me chuckle. Miss giddychops will often come and demand feeding at about 5pm.
love 🐞
Grow your own: £14.663 -
Thanks @savingholmesm @skint_spice and @ladybird1106 😊
Spent most of the morning (10am to 1.30pm) acting as ‘labour’ to my electrician next door neighbour who was installing the defibrillator in the next hamlet to us for the parish council. Took waaaaay longer than I expected so I bought a collection of 4 craft beer bottles as an informal thank you 😊 I think it did him good as his best mate / best man had a heart attack down one of the local pits about a month ago and the funeral was on Wednesday which was still weighing on him, so feeling useful and having something to focus on helped a bit I hope.Around all the above, very little else got done but I had a text that suggests that the funds have moved across to pay off the @ccord mortgage. This should mean that on Monday I can chase down the additional mortgage payment that went through thanks to awkward timing 😊
Not heard anything from any recruiters today. I think half term has meant most of them are either on holiday or their contacts at potential employers are 😊 Lots of chasing to do next week but at least I can stop being quite so surgically attached to my phone now that the weekend has begun 😊
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: £272 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.7 -
Being a labourer and getting that installed plus the craft beers is really, really lovely, and I'm sure went a long way in helping him personally. You're a good 'un KK x3
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We had one of those 'awkward payments', so they issued a cheque in both our names to repay it. We have never had a joint account, so had to send it back and ask for half each, or for it all to go back to DH (which they refused to do). We still don't have a joint account. It is probably never going to happen now.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******2 -
PennysIntoPounds said:Being a labourer and getting that installed plus the craft beers is really, really lovely, and I'm sure went a long way in helping him personally. You're a good 'un KK x
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: £272 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 -
f0xh0les said:We had one of those 'awkward payments', so they issued a cheque in both our names to repay it. We have never had a joint account, so had to send it back and ask for half each, or for it all to go back to DH (which they refused to do). We still don't have a joint account. It is probably never going to happen now.
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: £272 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
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