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Mortgage free in Forever Home :-)
Comments
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Loving all your work @KajiKita; the resultsare beyond pretty. Cats love to supervise, no? Love Humdinger xx2
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And love the roses too. Reminds me I have tulips to put into pots tomorrow.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
My cat was a fair weather supervisor, wouldn’t be out for more than 5 mins at this time of year till next spring 🤣🤣Sealed pot challenge 822
Jan - £176.66 :j2 -
😂😂 My two are still young and over enthusiastic! 😉😂❤️dawnybabes said:My cat was a fair weather supervisor, wouldn’t be out for more than 5 mins at this time of year till next spring 🤣🤣
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 -
Mine too.KajiKita said:
😂😂 My two are still young and over enthusiastic! 😉😂❤️dawnybabes said:My cat was a fair weather supervisor, wouldn’t be out for more than 5 mins at this time of year till next spring 🤣🤣
KK
They also like supervising my calorie intake.3 -
Those roses are beautiful.Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I thought so 😊 I don’t normally cut them, but with the colder weather coming they would only get blasted. There are quite a few more out there too 😊skint_spice said:Those roses are beautiful.
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 -
The roses and cat and view all look gorgeous. I'm glad you are having moments of feeling happy and at peace.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/251 -
Thanks @savingholmes, @Humdinger1, @redofromstart and anyone else that I haven’t mentioned 😊
LOTS of gardening today 😊 Mainly focused on the path through the pergola and the two small beds at the front of it. I can feel my confidence in how to manage this garden growing and I am getting fiercer about my editing, thinning, what to keep and what not to. In the two beds at the front I have a cat mint in each - they are growing ridiculously well, taking over the world and there are various pretty things beneath them which I will try and remember to rescue next storing and transplant elsewhere 😊
George spent HOURS in the compost bin where I put the cat mint trimmings! 😉😂
Also did some house things:
- Emptied all house and kitchen bins
- Washed and dried all towels
- Reviewed the instruction manuals drawer in the kitchen - 2 inches worth went to recycling! 😊👏
- Fed Mr KK scrambled eggs and air fryered tomatoes for lunch - he was most intrigued by this technique and wants me to teach it to him. 😊
- We’ve had more conversations about decluttering and improving storage - more to follow … 😉
I have done a quick spin through military history book reviews and have identified a couple that I will buy for Mr KK for Christmas tomorrow, as I will be (hopefully!) be spending tomorrow anyway on work trousers! 🤞
I think my stamina, both mental and physical is slowly coming back up …. Not sure if it’s about recovering from my last job or losing weight, eating better or a bit of everything, but it *is* a relief that it’s happening 😊❤️
KK
As 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 -
He is so cute 😻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.3
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