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Mortgage free in Forever Home :-)
Comments
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Haha @f0xh0les, I honestly didn’t follow most of what your said but I appreciate the thought 😊😉
Thanks @carolbee 😊
I have been so tired today I’ve been struggling to get out of my own shadow … I did host the inspection sign off (the samples passed), communicated the result to various places and then hosted the follow up meeting with the sign off team. Shared another piece of work with my boss who said ‘good work’ <- too little, too late 🤷♀️😉
Council tax bill has crash-landed. 11% increase overall. That is going to need some rejigging of the joint budget this weekend. I have warned Mr KK …
A nicer piece of correspondence was my new employment contract arriving 😊
Ordered flowers and truffles from MnS for £35 but had enough vouchers from their CC to actually only have to pay £1 - does that count as an NSD or not …? 🤔 This means that the foul mood she is always in when the clocks change on Sunday will be somewhat offset by the niceness of being remembered and spoilt a bit … I’m hoping so anyway! 🤞😂
No other significant news to report. Aiming for a quiet evening!
KK
As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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.4 -
Frogspawn - it’s always had a profound effect on me. Thank you for posting pictures. When I was a child we were fortunate to have a large garden and Mum and Dad took me to gather frogspawn and put it in an old stone trough pond. It always thrived and I’ll never forget the tiny froglets jumping down the lawns in summer.
I also had newts in a huge tank indoors but that’s another story.
I will vicariously enjoy your frogs and spawn as sadly I have no space in my tiny suburban plot!
Tilly Tidying andPADing in 2024 £250.62
___________________________________________________________________________________________
RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20184 -
@Sallyforth Two houses ago, my kids wanted to make a pond for frogs and I had to say to them we haven't got a big enough garden ... However I had a look on pint3rest and found a load of ideas for small wildlife ponds in tiny spaces. So I bought a big deep bucket and sunk it into the ground and we filled it with water, pond plants and big stones for things that might find it, to crawl out of. We waited and waited and eventually (within a year) we had pond skaters, dragonflies, a newt, frogs and toads in the garden and we got frogspawn by the second year!Sallyforth said:Frogspawn - it’s always had a profound effect on me. Thank you for posting pictures. When I was a child we were fortunate to have a large garden and Mum and Dad took me to gather frogspawn and put it in an old stone trough pond. It always thrived and I’ll never forget the tiny froglets jumping down the lawns in summer.
I also had newts in a huge tank indoors but that’s another story.
I will vicariously enjoy your frogs and spawn as sadly I have no space in my tiny suburban plot!

Here's some pics of the baby frogs and the two 'ponds' we grew to. They really weren't very big at all ☺️ in fact it's a job for my new garden to recreate a few of these around the garden.
Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
6 -
I’m glad I am giving you vicarious pleasure, but @debtfreewannabe321 is right, you can make tiny ponds and the wildlife are still happy to use it 😊Sallyforth said:Frogspawn - it’s always had a profound effect on me. Thank you for posting pictures. When I was a child we were fortunate to have a large garden and Mum and Dad took me to gather frogspawn and put it in an old stone trough pond. It always thrived and I’ll never forget the tiny froglets jumping down the lawns in summer.
I also had newts in a huge tank indoors but that’s another story.
I will vicariously enjoy your frogs and spawn as sadly I have no space in my tiny suburban plot!
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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.4 -
Those pics have really warmed my cockles @debtfreewannabe321, thank you for sharing 😊
I am also getting vicarious frogspawn joy @sallyforth so thank you KajiKita!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 59
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63 -
Thank you for the wildlife bucket and frog spawn ideas. I reckon I could put some of them into my raised beds relatively easily so brilliant suggestion.PennysIntoPounds said:Those pics have really warmed my cockles @debtfreewannabe321, thank you for sharing 😊
I am also getting vicarious frogspawn joy @sallyforth so thank you KajiKita!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/254 -
Congrats on the new job KK, really pleased for you.
love 🐞
Grow your own: £14.663 -
Thanks @ladybird1106 😊
Very tired this morning. I have woken with the birds for the last three mornings and I have a jumble of current job and next job going round in my head which then stops me getting back to sleep. What am I like?! 🤷♀️😂 Sadly, I think I will have to close the window tonight so they don’t wake me tomorrow.
Its a bit chilly here, we had a grass frost overnight, but it is forecast to be dry here all weekend and through next week - too dry actually, we could do with some rain. I made a list of jobs to do over the weekend whilst in work yesterday so will quietly get on with them … Washing is on! 👏 Now it’s time to have some breakfast! 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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.4 -
I took DH to the train station just before 7 and had to scrape the ice off the windscreen! Was not expecting that.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******3 -
Didn’t make huge progress on my jobs yesterday but did get to spend a lovely few hours in the garden.- Tidied and reported a little of the pots on the patio. They all look a lot happier 😊 Found a cat mint that I thought had completely died last year was resprouting, so gave it a soak, tipped it out, ripped the weeds out of the root ball and completely repotted it.
- Watered all pots - decorative ones on the deck and propagating ones on the rotting table on the patio 😉
- Weeded and otherwise cleared one of the front garden beds - hoping to do the other one today. Various things came up with the clearing or broke off, so each of those got tucked into pots in the hope of propagating free plants for the copse and by the pond 😊🤞
- Lots of tapestry and V0yager 😊 Who knew Warf had a brother?! 😉😊
- Mr KK came back quite after a militaria show in cheddar with all kinds of specials nuts and bolts that had military spec finish (dull chrome) and so was able to replace a load of shiny fixings on his latest restoration 😊
Today we have a tip run booked to get rid of the two dumpy bags of cuttings, a load of fir cuttings dumped in our garden by the guys who cut next doors trees back to clear the power lines 🙄 and various other detritus that has accumulated, including the bag of render rubble that I picked up from the courtyard last weekend. There will also be further gardening … 😊
I have just requested Ips0s send me a £5 payout, so there will be a small OP later as well 😊
I must ring my mother!
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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.6
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