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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,504 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Y’know that thing when you wake up on the wrong side of the bed and just ‘don’t want to!’. Tir3d, frustrated, fed up, impatient, clumsy, the whole works. 
    I’m there …

    Sigh ….

    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 = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 36 books of target 52 in 2025, as @ 19th July
    Produce tracker: £223 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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,291 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Well listen to yourself then! You've had a busy old time of it lately. Get a cuppa and a book and sit in the garden 😊
  • f0xh0les
    f0xh0les Posts: 7,607 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    edited 17 May at 1:29PM
    Maybe if you think of it as 'evaluating' time.  Keep a notebook by your side and see what thoughts and ideas pop up while you are having some 'me time'.
     As long as the plants get watered and Her Highness 👑 Princess Chloe-cat gets her fusses, who says you have to do a thing else?
    It is your weekend too, and if you don't want to do it today, it will still be there tomorrow.
    Sounds like you need to factor in some fun to the schedule.
    After all the bonus jobs achieved last night, you are still ahead of yourself . 
    Have the day off.
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • Cheery_Daff
    Cheery_Daff Posts: 17,098 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    On days like that I often rejuvenate myself by spending time on my own just sitting, maybe with a notebook, or a book to read, or some crochet. Not talking to anyone else (or listening to them 😂) is often key to restoring sanity for me! Hope you find your way x
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Agree with others that some days you simply need to sign yourself off - a “sickie” but in your own time. When I was working full time I very rarely took sick leave but just once in a blue moon I did take a day off because things simply weren’t right. I’d make some feeble excuse and nine times out of ten that day to myself put me right.

    Just loving your sweet peas - something I’ve tried but the pesky slugs always chomp so given up.
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • KajiKita
    KajiKita Posts: 7,504 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 17 May at 9:24PM
    Thanks @PennysIntoPounds, @f0xh0les, @Cheery_Daff, @Sallyforth ❤️
    I think I know what the root cause is - the garden is overwhelming me again and it’s made me feel such a failure …

    Anyway… I have come here to ask for help on something specific. 

    Mr KK’s niece, A was expecting her first child about now. The placenta was in the wrong position, down low towards the cervix I think and the plan was to do a Caesarian at 8.5 months. At 8 months the placenta ruptured, the baby died, the hospital made her do a vaginal delivery and then A got sepsis and had to be in intensive care for 4 days. Utterly awful. 

    Mr KK’s sister has advised that the funeral for the baby is on the 4th June. I will go, mainly to help Mr KK wrangle MiL, who is being a bit self absorbed about it all. But I also want to do something to support A. We are not close and I suspect the intensity of the event will not make for coherent communication for either of us, so I want to write her a letter. I have some rough ideas on what I want to say (and will craft it very carefully) but wondered if you had any recommendations for late pregnancy loss support groups or charities I could share with her? I’m planning to give it to her partner, in a card to both of them (the father so often gets forgotten in these things), at the funeral for them / her to read afterwards.

    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 = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 36 books of target 52 in 2025, as @ 19th July
    Produce tracker: £223 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. 
  • beanielou
    beanielou Posts: 95,401 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Can’t advise but blimey that’s dreadful. So sad. 
    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.
  • skint_spice
    skint_spice Posts: 13,389 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s so sad KK, no words from me sorry.

    i hope you took it easy yesterday.
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Watty1
    Watty1 Posts: 6,727 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That is tragic.  So sad.  The only charity I know of Is SANDS but in another life I worked for the National Childbirth Trust and I feel sure they will have a great list of resources and you might be able to come up with some better ideas.

    My heart goes out to her and the father, the sense of loss must be overwhelming.
    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 !!
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