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Mortgage free in Forever Home :-)

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  • skint_spice
    skint_spice Posts: 13,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy MSE anniversary from me too🎉🥂🎉
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 22 January at 11:11PM
    Congratulations @KajiKita; you are a wise, uplifting presence on the boards.  Love Humdinger xx 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,748 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    4th mfwversary! Wow glad you feel more financially secure !! 
    Impressed with the daily exercise as well !! 
    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
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,748 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Glad you winning and you have a destresser in the tapestry, Mr KK, the garden and Chloe!
    KajiKita said:
    Thanks @beanielou, @skint_spice. You are very kind @Humdinger1 😊❤️
    Wow, an exercise compliment from the Warrior that is @LadyWithAPlan 😊🤩

    I like being called a warrior - not sure why  though! (maybe it was walking 5 miles in the sleet to my gym in November? :)
    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
  • KajiKita
    KajiKita Posts: 7,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Woken up feeling odd. Very headachy, tired and wobbly. Also seem to have a toothache that is swopping places between my upper and lower left jaw …? Really wanted to make the most of the brightness and relative warmth in the garden today … not sure that will happen. 

    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. 
  • ladybird1106
    ladybird1106 Posts: 803 Forumite
    500 Posts Photogenic First Anniversary Name Dropper
    Hope as the day progresses you feel better 
    love 🐞

    Grow your own: £14.66
  • Watty1
    Watty1 Posts: 6,815 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    hope you feel better soon.  Sending hugs
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • greenbee
    greenbee Posts: 17,799 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It sounds as if you need a rest. It may be frustrating to miss out on outside time, but try to enjoy looking at it from inside with a hot drink and a cat. 
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