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Mortgage free in Forever Home :-)
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Thanks @skint_spice, @beanielou ๐
Got out in the garden early and โฆ
- Got two loads of washing in the line - all nicely dried ๐๐
- Planted up troughs and biggish pots with the poor strawberry plants that have been hanging around for week and already have green fruit on them!ย- First harvest of rhubarb - mainly so I could actually get into the path by broad beans bed! ๐
- Cut back the dead bits of one of the big hardy fuchsias we have and then pruned it to a shape that meant we can see out from the patio ๐
Wrangled Toscos delivery whilst Mr KK was building the retaining wall.ย
- Weeded, aka beat back the bindweed, the shallots bed.
in the hot spell after lunch I admitted defeat and sat on the sofa in the cool and finished a novel.ย- Helped Mr KK do some green weed clearing from the big pond and cut down a big grass clump that was blocking the view from the refurbished bench ๐
- Made a start on the same activity in the broad beans bed โฆ. Will continue tomorrow.
The house is a tip, but I still managed HM pizzas this evening so not so bad, hey? ๐
KKAs at 15.07.25:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ233,521
- OPs to mortgage = ยฃ11,816 Interest saved ยฃ5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: ยฃ243 of ยฃ300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย9 -
Chloe had her first time outside since her accident today (barely three weeks but she was becoming angsty - she has healed sooo fast! ๐ณ). She had a lovely time! Lots of sniffing, zoomies, poking about in the undergrowth and no sign of her going anywhere near the main road!ยWe are now EXHAUSTEDโฆ. โค๏ธ๐คฉ๐๐As at 15.07.25:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ233,521
- OPs to mortgage = ยฃ11,816 Interest saved ยฃ5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: ยฃ243 of ยฃ300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย9 -
She is getting so big.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Aw look at that sleepy snuggly girl. So glad she's healing quicklyย1
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Cuddly ChloeDelighted that's she's healed so well.1
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Aww she looks so content, hopefully will stay away from the road now.ยSealed pot challenge 822
Jan - ยฃ176.66 :j1 -
Aw so sweet ๐ย
Hopefully she's learned to go the other way instead of straight onto the road now ๐ค๐ปMORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200.
Total- ยฃ1162.23
Goal pay off 1% of current mortgage in 1 year. ยฃ1200. (96.83% there)
EF- first goal ยฃ300
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debtfreewannabe321 said:Aw so sweet ๐ย
Hopefully she's learned to go the other way instead of straight onto the road now ๐ค๐ป
She seems to have mainly stayed in the garden since then and has a new spot behind the greenhouse. ยSpot the cat! ๐
KKAs at 15.07.25:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ233,521
- OPs to mortgage = ยฃ11,816 Interest saved ยฃ5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: ยฃ243 of ยฃ300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย9 -
She's not very well camoflaged is she?! My two tabbies are quite hard to spot at times in the garden.ย
I hope she stays away from the road, but I she'll probably keep to her usual territory. I tell mine off when they're too near the road-side of the wood (there's really only one that goes that far - as far as I know), but they don't care. However, they're happy and have a nice life - they'd be miserable as indoor cats, so being an outdoor cat despite all the risks that come with it is the best option.ย4 -
greenbee said:
I hope she stays away from the road, but I she'll probably keep to her usual territory. I tell mine off when they're too near the road-side of the wood (there's really only one that goes that far - as far as I know), but they don't care. However, they're happy and have a nice life - they'd be miserable as indoor cats, so being an outdoor cat despite all the risks that come with it is the best option.ย
Done the financials this morning and set a new YNAB month. Itโs all a bit messy atm, as I have had to shuffle funds from savings to cover my current account as the P3tPlan cheque hasnโt cleared yet and I wanted to pay the CC off before the working week tsunami began and I forgot to do it โฆ Also, Iโm not EXACTLY sure what my income will be from my new job so I have deliberately left a buffer in my current account until I get my first full pay. There may be an OP mixed in there but I shall have to wait and see โฆ
Spent a good time repotting seedlings in the shed as well this morning - I had no idea that achillea seedlings were so wee! They can give nicotiana a run for their money! The courgette has been deeply buried in a deeper pot to encourage rooting from the stem ๐
Sowed the pea seeds I saved from last year after soaking them overnight as they looked so very, very dry. First time of ever saving veg seeds so I am ๐ค
I can see new shoots coming from the Black eyed Susan in the conservatory pot that I thought I might have killed after cutting it hard back - yaay! โค๏ธ๐
Chloe has been out for the morning and has now gone off to bed! ๐โค๏ธ๐
Next job is to make a rhubarb crumble for Mr KKโs delectation ๐๐โค๏ธ
KKAs at 15.07.25:
- When bought house ยฃ315,995 mortgage debt and end date at start = October 2039 - now ยฃ233,521
- OPs to mortgage = ยฃ11,816 Interest saved ยฃ5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: ยฃ243 of ยฃ300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ยWatch your actions, they become your reality.ย5
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