We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Mortgage free in Forever Home :-)

1601602604606607734

Comments

  • Cheery_Daff
    Cheery_Daff Posts: 17,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    CCW007 said:
    KajiKita said:
    Absolutely shattered this evening. Had a whole day of an external resource acting as an internal auditor across six different audits, plus a run through of our compliance with EN 1090 - my brain is overflowing! It’s been a productive day though and it was interesting to me to understand how much I have learned about the business already 😊

    Two lots of NW £100 turned up today. I have shuffled one off to savings to keep for a meal out for Mr KK and myself and the other has become an OP with a further 7p TT.

    Mr KK is turning the house upside down like a happy whirlwind, as he is packing for his 10 day trip to France with his best mate 😉

    KK
    Do you have separate accounts with NW? We have a joint account and one linked savings and have only received one x £100, although we both got separate texts.
    CCW007 said:
    KajiKita said:
    Absolutely shattered this evening. Had a whole day of an external resource acting as an internal auditor across six different audits, plus a run through of our compliance with EN 1090 - my brain is overflowing! It’s been a productive day though and it was interesting to me to understand how much I have learned about the business already 😊

    Two lots of NW £100 turned up today. I have shuffled one off to savings to keep for a meal out for Mr KK and myself and the other has become an OP with a further 7p TT.

    Mr KK is turning the house upside down like a happy whirlwind, as he is packing for his 10 day trip to France with his best mate 😉

    KK
    Do you have separate accounts with NW? We have a joint account and one linked savings and have only received one x £100, although we both got separate texts.
    We've got a joint account and received 2 x £100 like we have all the other times. Maybe there was a mistake? (Hopefully the mistake is on your account, not in giving us two lots!!)
  • CCW007
    CCW007 Posts: 1,114 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thank you, we got 2 x £50 earlier this year so I thought we would both get it. 
  • KajiKita
    KajiKita Posts: 9,024 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @CCW007, that’s exactly what we have. I have no idea why we would and you wouldn’t …? 🤷‍♀️

    Thanks @LadyWithAPlan 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 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. 
  • CCW007
    CCW007 Posts: 1,114 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Mystery solved, OH has another NW account and the £100 has been paid into that. Thank you both for confirming!
  • skint_spice
    skint_spice Posts: 13,610 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Poor Chloe, wee soul.
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,821

    Boiler fund £925/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 9,024 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Poor Chloe, wee soul.
    She’s not too bad. 😊 She’s eaten her dinner and had a good go at her tea. She’s just coming in and out a lot more than before, which leads me to think she is looking for him. She is currently asleep on Mr KK’s bed 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 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. 
  • KajiKita
    KajiKita Posts: 9,024 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It’s getting busier in work now - I have reached saturation and told various people that I need no more new projects until we have knocked some over! Good though, I am enjoying it 😊

    Came home at lunchtime yesterday but it was too hot to do very much (did do three weeks worth 😳🙄😂 of financial transactions updates!), so I had a really chilled afternoon reading and crocheting, which meant I felt like I had been on a weekend by the evening yesterday, which was lovely. 

    I have washing and food delivery to wrangle this morning. Going to pop out for a bit this morning and then hide out in the cool this afternoon. 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 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. 
  • KajiKita
    KajiKita Posts: 9,024 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Lumee it’s so muggy! Ugh … I am firmly rooted in front of the fan … 🥵 

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 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. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.