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Mortgage free in Forever Home :-)

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  • KajiKita said:
    There are a LOT of people waiting for this stone to pass ….. ! 😂
    With bated breath....!

    I'm glad you've both got someone who can explain why the decisions being made are being made, and why that might be the best way forward for him.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • KajiKita
    KajiKita Posts: 7,978 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
    There are a LOT of people waiting for this stone to pass ….. ! 😂
    Yes, each time one of us goes to the loo I think of you both and we get more water out and drink some (we keep a litre of cold filtered water in the fridge!). Well done on recognising the stress your DH was feeling and making that intervention. 

    We have similar here with Mr SL's eye - 3rd surgery since original detached retina yesterday - 4th is Monday fortnight, but the eye clinic at the County Town have been wonderful, once there (the doctor's receptionist qualities of the triage nurse were not helpful but she meant well)
    I’m glad Mr KK’s misery is serving some useful purpose 😉

    4 eye surgeries?! Wowsers …. Poor Mr SL - sending him huge sympathies. Hoping the 4th one is the final one and fully effective. 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • Oh I had a little squeal just reading about your mice. I think I would have to move out to be honest.  We get them in the wall between the stone and the dry lining every winter and that's bad enough.  

    More anxious about the mice than the stone, I hope it warms up and they move out soon.

    ours like running in circles round cats laughing, and chocolate.  
  • KajiKita
    KajiKita Posts: 7,978 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh I had a little squeal just reading about your mice. I think I would have to move out to be honest.  We get them in the wall between the stone and the dry lining every winter and that's bad enough.  

    More anxious about the mice than the stone, I hope it warms up and they move out soon.

    ours like running in circles round cats laughing, and chocolate.  
    I thought ours were feisty (one kept right past me in a narrow gap between the wall and the bed as I was kneeling on the floor!) but yours sound like prima donnas! 😂

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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: 10,357 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We get mice in the roof of the kitchen, and have had attempts by rats to get in to the same space. Interestingly the little blocks that are in the roof void (along with traps) are apparently chocolate flavoured
    Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
    OS Grocery Challenge in 2025 I am at £2135.07/£3000 or 71.17% 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
  • Mice definitely go mad for chocolate, they're too fancy for cheese these days!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    We lived in a really old house in the middle of nowhere a few years ago and there was always scrabbling in the loft.  When we moved to our last house and adopted the cat, he decided he was going to bring a few inside for us regularly - alive.  I'm fairly adept at running round with a plastic box, but when one got under the kitchen units there was no option but for a trap - peanut butter seemed to do the trick.  Mouse was released into the field but I don't think he was very happy being in the plastic box until I woke up.   If I woke up to one on my head there would be a lot of screaming though.   The cat showed a bit of interest under the kitchen units in our new house yesterday and today - so I'm wondering if he's managed to bring one in and lose it.  There's a large grille under the built in fridge-freezer that needs modifying so that a mice can't get through it, there are also small gaps under the washer and the dishwasher between the legs - I'm scratching my head about something to block those gaps up as well.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • My cats get very cross that they can hear them behind the plaster but not actually get to them where the stone walks are dry lined. We can't access the loft for one end of the house so it's hard to do anything about it, and lime based stone makes for easy access and egress.
  • KajiKita
    KajiKita Posts: 7,978 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @SandyShores re the gaps under the washer, between the feet, would the kind of edging you sometimes get between a bath and a wall work?

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • @SandyShores some kind of expanding foam maybe? We have used it successfully in gaps around doors and windows. 
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