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Mortgage free in Forever Home :-)
Comments
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πππ Is that based on bitterly damp experience by any chance β¦? πf0xh0les said:Plumbing is like black magic. The Dark Arts. Arcane mysteries.Β Theoretically it is perfectly simple, then water gets involved, and water will always find a way.Β
KKAs at 18.08.26:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£211,813
- OPs to mortgage = Β£19,809 Estd. interest saved = Β£10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 63 books of target 52 in 2026 as @ 2nd September.Β
Produce tracker: Β£245Β of Β£400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β5 -
Your little plants all look so happy - I hope they all thrive for you.Tilly Tidying andPADing in 2024 Β£250.62
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RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20183 -
Thank you, me too π€©ππ€Sallyforth said:Your little plants all look so happy - I hope they all thrive for you.
KKAs at 18.08.26:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£211,813
- OPs to mortgage = Β£19,809 Estd. interest saved = Β£10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 63 books of target 52 in 2026 as @ 2nd September.Β
Produce tracker: Β£245Β of Β£400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β3 -
During the week I have the same breakfast/lunch/snacks every day - it avoids having to think about food.Β Β In the evenings we tend to use Gousto, and re-use the recipes - always going for around 500 calories each.Β I go off-menu a little bit at the weekend but not too far.Brie said:I'll admit to being dreadful trying to be on a diet so have tried instead to do as much cooking from scratch as possible.Β Then at least I know what I'm eating rather than being enticed by marketing to eat premade food.Β Granted I do fail occasionally.
Garden looks amazing @KajiKita, I managed to weed our new flower bed today, and had a bedroom clear out - must be the weekend for it.
"Think of many things, do one"
Mortgage end Sep Β£166kΒ Β£310k 2020Β (original end date 2038 aiming for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga3 -
I do the same breakfast/ lunch / snacks on work days and they tend to be healthy / nutritious.ΒDuring the week I have the same breakfast/lunch/snacks every day - it avoids having to think about food.Β Β In the evenings we tend to use Gousto, and re-use the recipes - always going for around 500 calories each.Β I go off-menu a little bit at the weekend but not too far.
Garden looks amazing @KajiKita, I managed to weed our new flower bed today, and had a bedroom clear out - must be the weekend for it.Where I struggle is snacks after work (seem to need them for the evening push) - Iβm trying to make this nuts and a bit of cheese so at least they are not crisps and weekends when a snack-attack descends.ΒIβve never tried Gousto or any meal boxes as Iβve never found recipes I like - they all seem to involve chilli or other flavours I donβt like π’
KKAs at 18.08.26:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£211,813
- OPs to mortgage = Β£19,809 Estd. interest saved = Β£10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 63 books of target 52 in 2026 as @ 2nd September.Β
Produce tracker: Β£245Β of Β£400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β3 -
In other news - I noticed that when I opened my bedroom curtains this morning, the morning sun lands on my new altar space - it looks lovely πβ€οΈ
KKAs at 18.08.26:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£211,813
- OPs to mortgage = Β£19,809 Estd. interest saved = Β£10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 63 books of target 52 in 2026 as @ 2nd September.Β
Produce tracker: Β£245Β of Β£400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β11 -
radishes and olives are good after work snacksΒ3
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Garden looks good and the myrtle is still there
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 !!3 -
For after work snacks, how about vegetable sticks and hummus or natural yoghurt?Fashion on a ration 2025Β 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
OneΒ income, home educating familyΒ3 -
Love this βΊοΈβ£οΈ I need to make a new space for me. I used to have an alter spot in my last house but not found one here yet.ΒKajiKita said:In other news - I noticed that when I opened my bedroom curtains this morning, the morning sun lands on my new altar space - it looks lovely πβ€οΈ
KKEmergency Fund - Β£1000Β
Baby cash emergency fund Β£210/250Β
Mortgage OP goal 2026 - Β£1200/Β£4500Β
Read 24 books this year 24/243
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