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Mortgage free in Forever Home :-)
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Completed a pilot batch report for the first batch of parts from china today and had a compliment back from the Group CI manager (ex dyed-in-the-wool-automotive so poop hot at this kind of thing), cc’ing everyone else, saying what a clear and effective format it was in 😊PDA with my boss(es) went well. They rated me as having ‘met all expectations’. Not the highest rating (2nd level rating) but typically only 2% of people achieve the top rating. (My boss has never achieved it.) This apparently is impressive after just under a year in the role. Phew! Glad that’s done. Never had a formally rated assessment like this before.The nicest thing about the PDA was the acknowledgment that my team are transformed since the start of last year, especially my senior certification engineer, who my boss was telling me to get rid of when I started 😳 and now describes as ‘confident’ and ‘contributing’ ❤️ It was especially lovely to be able to share that with my SCE just before he left for the weekend 😊
My boss also seemed to be determined to try to maximise the bonus payment I could get. I have no idea how much it will be - theoretically 15% of my gross salary but will be pulled down by the overall performance of the site (we made a loss in 2022) and inevitably, taxed. Crossing my fingers for a nice number!! 😊
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 -
Done my end of week catch up on YNAB and I have finally reached £6K in savings (not including what I need to pay off the Virgin c/cd) with a TT I missed just before Christmas, £9.06 in TCB and a little TT I have done just now. Can’t tell you how much safer that makes me feel.Still have a way to go until I have enough to cover 6 months minimum expenses, but that is a good start! 😊
2 of 52 books for the year read
NSD today (even managed to take my lunch into work)
Weights and squats done
7.5K steps - a little below target but I suspect tomorrow will be busy so I will make up for it then.
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.3 -
Finally made the chickpea with leek frittata - looked hugely unconvinced going into the oven but was good coming out again! 😊
On track with grocery spends - in fact better than on track! Doing well.Been watching Marie-Antoinette on iPlayer - fascinating ….
Cold here and keeps raining heavily so no work in the garden. About to start seed planning 😊
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.3 -
Everything crossed for a good bonus for you.
My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
redofromstart said:Everything crossed for a good bonus for you.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.2 -
Not a lot happening on the £cial side - a NSD and no other transactions or opportunities for TTs etc.
8.8K steps - mainly because I spent 3 hours in the garden, weeding and clearing dead material. I can’t really see where I’ve been because all the weeds were weeny but that means I have got all the roots etc out for clover, weird fluffy weed that my garden loves growing, dandelions, couch grass, clover, teasel, ivy seedlings etc. etc. so that will put those two beds in good stead for the spring 😊 Cut the leaves back on my hellebores as they are just starting to flower but had to come in at about 3pm as I was getting cold and stiff in spite of wearing full thermals.
Mr KK went round and around for about the same amount of time hacking out brambles whilst wearing his welding gloves. My absolute hero!! ❤️ We need a bonfire now ….
Read 3 of 52 books for 2023.
Got an ulcer, right on the end of my tongue - gah! Run down again! Sigh …. I have double dosed vitamin c tablets tonight.
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.2 -
Really feel for you on the run-down-ulcer-thing - me too. I like bonjela complete (the liquid coating, not the gel) to give them a bit of protection.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20253 -
Merlin's_Beard said:Really feel for you on the run-down-ulcer-thing - me too. I like bonjela complete (the liquid coating, not the gel) to give them a bit of protection.Feeling a bit better after double dosing vitamin c for a few days but still tired so I think I am still fighting a lurg if some kind.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 -
Today’s scores on the doors:
Weights and squats done
9.8K steps done - went for two rounds of the site at lunchtime in the (freezing!) sunshine
NSD
Its cold here so have closed the curtain on the gap between the living room and the snug and we are cosy on the sofa now 😊
Mortgage payment went out today so I will go upstairs and YNAB it and see if it gives me any TT opportunities 😊
I was hoping to update my colour-in-house-bricks tracker but my mortgage account isn’t showing the transaction yet 🙄 That will have to be one of tomorrow’s tasks 😉😊
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’ve YNAB’d …..
If I have done my sums correctly I will get within 57p of emptying the joint account of funds through our standard DDs before my next contribution goes into the account …. Quite enjoying the jeopardy of this …. 😉
I have TT’d 32p from our joint account to the linked savings account 😊
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
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