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Mortgage free in Forever Home :-)
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Thank you all 😊
Another busy day - intense customer session where they were most definitely not happy with us. Like old times! 😂
Fortunately I haven’t been involved much until now, so wasn’t as emotionally involved as my colleague who was taking huge offence at various aspects.
Got out for a walk at lunchtime - it was so sunny I was regretting wearing a fleece over my jumper and thermal legs under my trousers - I was boiling! 😂
11.6K steps through the day.
Far too much junk - enjoyed every mouthful of it! 🤷♀️😉
NSD.
Seeds and potato fertiliser arrived.Mr KK got baked potatoes set up before I got home 👏❤️ so that was an easy tea with bolognese 😊
No real chores before work as I couldn’t really think of anything to do … but I did start a new thread on my tapestry to do this evening and left early so I could fuel my car.
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.9 -
I love that you’re finding/ making the time for these things now. At the weekend I had to open up the gym but wasn’t coaching until an hour later, usually I’d train myself but had a 16k run planned so didn’t want to. Instead I cleared out the entire car of everything (it’s so much rubbish with the children) which Is something I just don’t make a priority or find the time for. Now that I’m doing long Sunday runs, I think I might adopt this approach for when I have that hour available to me.Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay
https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest3 -
KajiKita said:Thanks @SandyShores 😊redofromstart said:I really like the idea of the walking on spend. With a nice mat so you can wipe your feet on him too.
KK~FlowerPot~ said:Glad you had a better night's sleep. The job is still very new, and the shadows of the old job are still there. I would just try and enjoy the fact it is 'easy' at least for a few more weeks and see how it goes. Then arrange a meeting if it's still not fulfilling enough for you. They may well be worried about overfacing you!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#latest4 -
MissRikkiC said:I love that you’re finding/ making the time for these things now. At the weekend I had to open up the gym but wasn’t coaching until an hour later, usually I’d train myself but had a 16k run planned so didn’t want to. Instead I cleared out the entire car of everything (it’s so much rubbish with the children) which Is something I just don’t make a priority or find the time for. Now that I’m doing long Sunday runs, I think I might adopt this approach for when I have that hour available to me.
Thanks @~FlowerPot~ 😊 I think there’s a bit of me where I have been brainwashed by my last job into thinking the insane pace they set was ‘normal’ - it takes a while to lose that …
Stayed up far too late reading a good novel. I’ve been tired all day, early night needed! 😉😂
Busy day too. I now have a project to start getting my teeth into so I can feeling I am contributing! 😊👏
Coop took the DD for the first standard mortgage payment today and reduced it to £1805.58 when I agreed with them in November last year that I wanted it set permanently at £1810 …! 🙄 I tried to ring them, but after 40 minutes on hold I gave up and raised a complaint instead. They are useless to get in touch with!! OP’d the missing £4.42 and TT’d a further 4p! 😉 Maybe this will have to become part of my monthly routine with them? 🤷♀️
9.1K steps. Not too bad for a desk bound day. Lungs a little less tight than they were at the start of the week.Booked a week off in July, after the first big assessment visit I have to deal with. Started thinking about what I want to do with it … 😊 I will start at the National Botanic Garden of Wales (I love that place 🌿🌳💐 but haven’t been for years) and then will book B&Bs for that night and a couple of nights following as I move on down through that part of Wales. Maybe St Davids and Carmarthen? 🤔 Really looking forward to this. 😊
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.5 -
A good novel, good steps, being able to OP, a project to get your teeth into, and planning a lovely trip, what a delightful place to be in- and you deserve it2
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Love the sound of the trip. I see everyone planning now and despite having already booked our holiday, I want to plan some too! Look forward to hearing about yours.Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay
https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest3 -
Thanks @PennysIntoPounds and @MissRikkiC 😊
Low steps day; 5.4K steps but I was tired today and working at the site that I can’t walk at lunchtimes. Junk not too bad 😊Busy and fairly productive day.Coop rang me late lunchtime about my complaint about our mortgage DD. The lady agreed I had asked for the payment to be set at £1810 but she couldn’t explain why it hadn’t been done (I’m guessing it was human error). She said the DD had now been set at that value, from February’s payment. She was quite formal and was asking me if I was satisfied with their response and said that they would be writing to me about my complaint with details of the financial ombudsman. I told her that I was perfectly happy if the payment is taken correctly and have no interest in bringing in the ombudsman, but ‘complained’ because, after waiting on hold for 40 minutes yesterday, it was the only way I could find to communicate with them!Ordered a clicker and liver treats late last night to start Chloe-bean on cat basket familiarisation …. 🤞🤞🤞
Mr KK’s mother still hasn’t opened the box of Black Magic he gave her for Christmas because ‘I’m scared I’ll start eating them all and I won’t be able to stop and it will set off my diabetes’ … Mr KK is bemused and frustrated by this! 😂🤷♀️ He offered to take them home with him and then take her three of them per week when he goes over. ‘Oh, that’s a bit mean!’ was the response to that …. 🙄😂😂😂😂 Bizarre.Time to go and change my bed linen and have a nice warm shower … 😊
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.8 -
Maybe she is keeping them for 'company' 😂 or a really good film, or for when she is feeling down. They are special to her. 🎁
Wouldn't have lasted past boxing day in our house.
Glad you sorted out the mortgage payment, and that you are planning for road trips. There are a couple of 'spend 4 days of holiday' for a 9 day stretch coming up.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******3 -
f0xh0les said:Maybe she is keeping them for 'company' 😂 or a really good film, or for when she is feeling down. They are special to her. 🎁
Wouldn't have lasted past boxing day in our house.
Glad you sorted out the mortgage payment, and that you are planning for road trips. There are a couple of 'spend 4 days of holiday' for a 9 day stretch coming up.
I have booked the four days before Easter as that way I will get 10 days off in a good gardening season 😊 (weather permitting of course 🤞)
Dentist went well. Sent me on my way with a clean bill of health for a £78 bill. That left £20.02 in my YNAB pot for the dentist, so sent that off as an OP 😊👏
Had a nice afternoon around that. Lunch out wasn’t hugely exciting but it’s always a treat not having to cook 😊 Found that the old second hand bookshop was still open - found a book on vernacular architecture for my mum, a book on Irish crochet (like lacework!) and a garden book in monthly chapters to add to the pile I will cycle through each month this year 😊 Then found a new @mnesty bookshop with a fascinating book on cats. Total cost for all of these was £28 - all from my monthly pocket money so still an NSD.Bimbling up and down and around the hills in town meant I got to 9.7K steps - pleasantly surprised by that and beat Mr KK for the first time 😉😊
Got home in the daylight so was able to bring in firewood, split kindling and empty both kitchen bins before Mr KK got home 😊
Good session on the tapestry.Overall, 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: £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.7 -
Glad that you have had a good dayI 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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