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Mortgage free in Forever Home :-)

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  • f0xh0les
    f0xh0les Posts: 7,621 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    beanielou said:
    He is so cute 😻
    And totally off his box !
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • KajiKita
    KajiKita Posts: 7,697 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    f0xh0les said:
    beanielou said:
    He is so cute 😻
    And totally off his box !
    I wondered that … 🤷‍♀️ But I don’t think cat mint is the same / has the same effect as cat nip?  😊

    KK
    As 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. 
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Such a cutie! 
    And lovely to hear you are feeling so much better  x
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @KajiKita all very impressive! One question: do you sing songs to your cats?  We serenade our dog every day love Humdinger xx 
  • KajiKita said:

    - Reviewed the instruction manuals drawer in the kitchen - 2 inches worth went to recycling! 😊👏
     
    We dont keep any of our instruction manuals in the kitchen, the space is too precious. We download a digital copy to our Google Drive so we can access it whenever and wherever we need it. The hard copies are kept in a drawer in the office. Periodically we review the instruction manuals and get rid of old ones. Truth be told we don't need any of them but OH feels better knowing they are around.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • I used to dance around the kitchen with my cats singing, they loved it (I think)

    Enjoy the crypto course (I have not done it),  the bankless podcast is about up to date stuff and interesting though they do like to drop acronyms. Reddit has some great forums on it just dont click on links or respond to DMs.

    Just be aware once you got some money on the exchange invested (i use Kraken) then you need to get a cold wallet (hard drive with software to keep crypto on)  for security purposes (Trezor or Ledger) they start about £40 + - buy direct from the retailer - not via amazon  - I am waiting til I have about £200 in crypto and then will buy the 
    You can play with £10-£20 it does not have to be all or nothing -  but it has a huge swing. Bitcoin is up 19% in the last month, but can easily fall so slow v steady..
    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#latest
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I sing to my cat, she’s not fussed but dancing she seems to take as an invitation to play fight😱 she doesn’t mind so much if I am holding her while dancing, yes this is my strange life😂 my dog used to get on his hind legs and jump about too!
    Mortgage OP 2025 £6200/7000
    Mortgage 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)
  • KajiKita
    KajiKita Posts: 7,697 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 11 November 2024 at 9:04PM
    KajiKita said:

    - Reviewed the instruction manuals drawer in the kitchen - 2 inches worth went to recycling! 😊👏
     
    We dont keep any of our instruction manuals in the kitchen, the space is too precious. We download a digital copy to our Google Drive so we can access it whenever and wherever we need it. The hard copies are kept in a drawer in the office. Periodically we review the instruction manuals and get rid of old ones. Truth be told we don't need any of them but OH feels better knowing they are around.
    Oh dear … neither of us trusts digital files and cloud storage enough to do something like that 😉

    KK
    As 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. 
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