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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Weights and squats done before going to work this morning and got a lot done. Feel like my mojo is returning a bit. 
    Hit my 8K steps at 8.7 😉

    Had an NSD today 😊

    Chucked a thread up on my FB page yesterday asking for cheerful, positive, even ethereal reading recommendations. Mentioned it to a colleague in work this morning and she immediately lent me a book she thought I would enjoy that she’d lent to someone else and just had returned 😊

    QM33 has been going better this week - should be £12.## or so to the mortgage tomorrow. Pleased with that 😊

    Mr KK is still off work …. He reckons he will go back to work on Monday. I doubt it ….. 🤷‍♀️

    Hoping for a quiet weekend, at home, so I get to have a sensibly paced time and some garden head space as the forecast is meant to be kind. I MUST do serious budget catching up and YNABing this weekend - I am sooooo behind atm 😢

    I have clean sheets and hope to sleep like a tree tonight 😊

    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. 
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh, mildly frustrating, the grocery shop this week came in quite high compared to what I was aiming for. We have bin bags and toiletries on that which should last a while though. 
    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. 
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Woken up with my sinuses feeling like they are full of lead …. Ugh ….

    £12.50 sent from QM33 to our mortgage 😊

    Off out for more tyres shortly - I’m starting to think my wheels are breeding …. 🤔😂

    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. 
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Got the tyre (£69 all in for a midrange) - they told me I would be waiting at least an hour as they were triple booked this morning …. I was in and out in 30 minutes 😊 Gave me time to finish my 6th book of the year 😊

    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. 
  • Just wanted to send hugs xxxx
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 4 February 2023 at 5:31PM
    Just wanted to send hugs xxxx
    Thank you TDQ, much appreciated.

    KK x
    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. 
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Got my cleaning done, mostly. Couldn’t clean the bath as by the time I got to it, it had been requisitioned to soak a head gasket for the 1939 Bedford …. 😂 I will have to catch that up tomorrow 😉

    Wrangled the Tesco shop, though the vegan bacon is quite short dated so I need to break that down into two portions and freeze them tomorrow. 

    In between, spent a couple hours in the garden. Got the bean pole structure straightened up and secured with new string so it’s not in danger of falling through the greenhouse anymore. Pruned all the roses, quite hard as they all went bonkers in the hot summer last year. Also, chopped back the purple berberis that is trying to take over the old scrub bed. 

    9.5K steps
    Did a bit of reading of Jasper Fforde’s ‘Shades of Grey’ - loan from colleague. 

    Tried to catch up on all my transactions this evening. Managed to do c. 2/3rds of what I have spent since 21st January when I last updated, but there is a tranch of monies moving around that I can’t unpick as yet - my brain is too tired now. I did discover that I spent £25 just on hospital parking over the three days we were in and out …. 😳

    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. 
  • Suffolk_lass
    Suffolk_lass Posts: 10,292 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am so sorry to hear that your DH is still struggling and I sincerely hope the big stone passes in the next day or so. If not, you should press for him to be seen again. That is so sad with your Uncle, and your Aunt's living grief, as he approaches eol. I really didn't cope well when my Dad was ill (we only bottomed out that he had pancreatic cancer 12 days before he died). We knew he was very ill and dying really, before this. For me, I went to see him (450 miles away) while he was still able to talk to me and we were able to tell each other how much we loved each other, and how proud of each other we were. My Mum and sister sat with him as he died and to be honest, this was a relief for me, as I have a more positive memory of his illness. So very hard though
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @Suffolk_lass

    I tried talking to him when he was in hospital over the phone a few weeks ago, but literally couldn’t understand him at all. It was grim as at that point he refused to engage any further and stopped trying to communicate with me. The way he is, the way my aunt is describing it, makes me think of an animal in a trap, writhing around and lashing out in its agony. This is not the man I have known all my life. I have consciously stepped back as, if I’m not helping and am just causing more frustration/suffering, I can’t do it to him or me. But what I can do, is creep along the narrow precipice of doing my best to support my aunt. 

    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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