Mortgage free in Forever Home :-)

KajiKita

redofromstart said:

They are really useful for pruning big painful roses too, and blasted pyracantha (hate the stuff as I react to the spikes). 

I have a purple Berberis that is a pretty thing, but I like to lift the lower branches so other things can grow underneath. That can be quite a prickly, scratchy, dried dead thorns left in your skin, experience! 😉😊 My list is growing! 😂😂

KK

KajiKita

Done my new YNAB sheet and caught up on all financial things 😊

- My savings currently running at 10.4 months of my minimums - this will inevitably drop this spring as I have stone to buy for the paths. But I’m happy with where I am at the moment. 

- OPs today:
   £123.64 of excess car insurance savings. Reset savings target from £370 to £280. No I don’t have magic wand! I paid a lot last year due to speeding points - I can only assume it has come down somewhat as I am now almost two years out from the speeding fines and haven’t actually had an accident. 🤷‍♀️
   £500 excess from my personal current account. I had left some buffer in there whilst I got used to a different pay date. I don’t seem to need that any more and I’m bumbling along quite successfully now. 

   £1.53 of TTs to tidy the balance of our joint account 😉

These OPs mean that we have broken through the £10K level of OPs paid. 🎊🥳👏  Pretty chuffed with that 😊 I hope I will be able to see the new balance of the mortgage by maybe Wednesday of the coming week? 🤷‍♀️🤔

I have updated my signature. 😊 

I think the biggest thing that has happened since I left my last employer is that I have asked Mr KK to contribute more. He’s sort of saving now - has an account that he passively diverts £50 to a per month, but the OPs have always been my ‘game’ / focus. You’d think it would be his too, after all he’s the one who would be working beyond retirement age if we don’t pay it off sooner! 🤷‍♀️😊 Ah well, I feel more secure and I will do the best I can with the element that is our shared funds. 

KK

dawnybabes

Have you not got any gloves for the wood burner ? Mine are thick gauntlet leather so would work ? 

f0xh0les

Sometimes it takes a partner a little longer to get onboard with the financial stuff.  It will happen eventually,  just try not to hold it against him. 
£10k is AMAZING!!!!! And nearly £5k in future interest saved! That means £5k that won't be added on that you have to pay off. £15k off the mortgage! That nearly £5k is what..2 months of repayment?  So you are shortening the length of the mortgage as well. 
Next month you are in the 239s!

KajiKita

dawnybabes said:

Have you not got any gloves for the wood burner ? Mine are thick gauntlet leather so would work ? 

No, we’ve never needed them for the wood burner.

f0xh0les said:

Sometimes it takes a partner a little longer to get onboard with the financial stuff.  It will happen eventually,  just try not to hold it against him. 
£10k is AMAZING!!!!! And nearly £5k in future interest saved! That means £5k that won't be added on that you have to pay off. £15k off the mortgage! That nearly £5k is what..2 months of repayment?  So you are shortening the length of the mortgage as well. 
Next month you are in the 239s!

Mr KK has many sterling qualities so I forgive him this. 😉 I’m just surprised that he’s not even a bit more engaged I guess … 🤷‍♀️😊

Thank you for the cheering 😊 I knew you’d get it. We still have a huge number to demolish but I need to celebrate the milestones 😊
£4.5K is the equivalent of 2.48 months of repayments 😊 
I am hoooooooping that we might be in the £239s as of this week … 🤞 (Takes ages for the updated balance to show in the coop app though …) 

KK

KajiKita

I rang my mother for a catch up this afternoon. We talked about various things and then I tried to explain why I was struggling with work and she turned it into an “I told you so” moment! 🙄😳 Something about having gone too far down the line in this job to be able to change now …. (??) I queried this and she came back with “this kind of industry role” … 

What …?? #headblown … 

Don’t think I will ever bother talking about work to her again. Waste of time. I didn’t even bother telling her about the interview I have next week, seemed pointless. 🤷‍♀️

I was in something of a ferment after that(!), so I went out with a spade and a fork and ‘had at’ the area under the pine tree that I started over Christmas. Cleared another square metre or so of little trees and ratty grass etc. and barrowed two loads of bark down there. Still dumbfounded but feeling calmer … 😉

Just been watching the highlights of the grandprix - one of Mr KK’s things. That poor rookie that slid off and into the wall on the formation lap - I felt so sorry for him! Bless. 

KK

f0xh0les

Best not to mention  that after your chat you went out and dug a large hole in the garden ........

Discretion is sometimes the better part of having your family  ever speak to you again ...  

-  full disclosure, none of my family speak to me. 

SandyShores

Brilliant to the OP - its all going in the right direction. 

Mother chats - I'm no help there.  I wanna dig a hole and chuck myself in sometimes, especially as mine is partially deaf so the rants make even less sense

@f0xh0les, I don't mind them not speaking to me, but why do they want to see me to make the point they aren't speaking to me?!?

savingholmes

f0xh0les said:

Best not to mention  that after your chat you went out and dug a large hole in the garden ........

Love that.

Best of luck KK with the job interview. Sorry families can be so meh!!

Interesting about the leather gloves and weeding..,

greenbee

Well done on the interview, and ignore your mother. Mine has no clue what I do or what it's like, but offers opinions and suggestions. Thankfully they're well meant and generally not a problem. 

Probably best not to talk to your mum about work if she brings you down. But if you did want to change career, there's no reason you couldn't do it now. Most skills are transferable, and chances are any AI start-up would pay for your industry expertise