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Mortgage free in Forever Home :-)
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Great news!Mortgage OP 2025 £6200/7000Mortgage 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)1 -
Exciting! We're all on tenterhooks @KajiKita! You're going to ace it!! Love Humdinger xx1
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Thank you @redofromstart, @f0xh0les, @~FlowerPot~, @Cheery_Daff, @Watty1, @beanielou, @PenniesIntoPounds, @debtfreewannabe321, @Brewerspride, @dawnybabes, @skint_spice, @Humdinger1 😊 I really appreciate all the cheering on … ❤️
I have started reviewing their website and prepping some questions and the recruiter is going to talk me through some points on Monday 😊
Having lunch out with a good friend today, so will aim to get all my nasty chores done before then. Mr KK needs to get moving soon, or I will be cleaning up around him whilst he is still in bed! 😉 Weather doesn’t look as good as forecast but I hope to spend as much time in the garden as possible. Also have adulting things like car insurance to sort out …
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 -
Crossing everything for your upgoing chat!!!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇2 -
Sounds like the stars may be aligning kk!2
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Thanks @brie and @Twolabsandacat (I do so enjoy this user name btw 😉😊)
It’s been a good day 😊
- Woke a little early bit after a good night 😴
- Did a quick spin through the insurance comparisons and settled on the original renewal - now set up and paid for (interestingly it wasn’t on auto renew …)
- Wrangled Toscos delivery around getting two loads through the machine and out on the line - that all came back in reasonably dry by the end of the day 😊
- Cleaned bathroom and loo - worst job, DONE! Boosh-da! 👏😊
- Got my car cleaned - I would be self conscious turning up to a job interview with a very grubby car - might be odd but that’s me 😉
- Got changed to respectability and went out to meet my friend for lunch. We had a really lovely time, catching up etc. 😊 Apparently she was talking to colleagues at her work about me when they were discussing their weekend plans as “my always happy friend” which I took as great compliment ❤️ Cake slices, large, 2 of, may have returned home with me for Mr KK and I to share later on … 😉
- Got changed again and got out in the garden for a couple of hours. Cleared a lot of dead dry looking stuff from a bed we see from the living room, which is visually satisfying. I also borrowed Mr KK’s welding leather gloves and cut down to the ground a horribly thorny wild rose that was engulfing the horizontal hydrangea that is to the north of the Japanese Maple. I have never used lead yet gloves for that kind of job before but Mr KK had been using them for cutting back brambles etc so I thought I’d try them … Wow! What a difference!! I need a pair …. After next pay day 😊
- HM pizzas for dinner 😊
What a fabulous day 🤩😊❤️
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.9 -
they often still dont sadly ..KajiKita said:I’m finding all these stories both fascinating (and horrifying). In every single case, the man has lost himself a sale! And they just don’t seem to cotton on … 🙄🤷♀️😂
KK
fingers crossed on the chat!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#latest2 -
Welding gloves - for clearing brambles - fabulous idea. Thank you (will add to the shopping list for when there is spare cash)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 !!3 -
A friend of mine in another forum recommended these:Watty1 said:Welding gloves - for clearing brambles - fabulous idea. Thank you (will add to the shopping list for when there is spare cash)
https://outdoorvalue.co.uk/products/woodside-leather-gardening-gauntlet-gloves?_pos=1&_sid=d60db2ecd&_ss=r&_gl=1*1avb8ek*_up*MQ..*_gs*MQ..&gclid=Cj0KCQjw7dm-BhCoARIsALFk4v_-aX3cgpaYRhJ_PRp6WF6m8m696kNr5HOz5fEmeQxRkpzP5A8aAWcaAr3QEALw_wcB&gbraid=0AAAAArBuB7e-qIPCs2_-yjcNRw3CkIo5h
Not too expensive either. 😊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 -
They are really useful for pruning big painful roses too, and blasted pyracantha (hate the stuff as I react to the spikes).My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2
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