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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    greenbee said:
    Eating almonds before carbs can help smooth out blood sugar. You only need about 10 or so. It might be worth trying a blood sugar monitor for a couple of weeks to see what helps. 
    That’s quite a lot of almonds! 😂 

    I’ve thought about blood sugar monitoring but they all seem incredibly expensive! 😳

    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 = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
     Best thing I did was reverting back to my maiden name. Just sorry it took me so blooming long. 
    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.
  • Brie
    Brie Posts: 14,762 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    beanielou said:
     Best thing I did was reverting back to my maiden name. Just sorry it took me so blooming long. 
    I still wonder why women change their name in the first place.  I know historically it was the done thing but now?  It makes all the paperwork much easier.  But maybe that's just me.  Noisy feminist....I have often been asked what my "maiden" name was and I pretend to not understand.  "Oh you mean my surname when I was born?  Same as now!"

    (not having a dig at you beanielou, or anyone else.  it's just one of those constant niggles on my brain along with why we still refer to "man hours" and why the yanks can't accept that the metric system is better than their imperial version)
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

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  • Baileys_Babe
    Baileys_Babe Posts: 6,265 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    KajiKita said:
    I changed my name when I got married as it gave me chance to leave my family and my past behind. When I then also switched from my middle name to my first name on all forms of social media, in work etc. I had the comfort of knowing I was just that little less visible to my psycho ex ….

    Credit card monthly payment made post payday. I need to do some fiddling and checking but there may be a little OP in there to send … Not tonight though, too tired 😉

    KK


    That makes sense @kajikat in situations where you want or need to detach yourself from a name.

    If we ever decide to marry I have no plans to change my name and OH has no plans to change his either.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • Watty1
    Watty1 Posts: 6,808 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Having never married it has not been an issue for me but VNM and I have discussed (no plans) and I would not change my name in the professional space.  Too much experience in the world I work and it seems my name is mentioned from time to time so I would keep it.

    Would consider changing personally thou - a new life and all that 
    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 !!
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I use both my names; married for life and for voluntary work  and politically; maiden name for sector I've been in for decades.  I had a German colleague who couldn't believe it was legal to use both as in many places,  you choose.   My passport,  driving licence are in my married name; all credit cards are in my maiden name and all bank accounts bar one.  I've often debated whether I have 2 identities or just 2 names, with 1 emphasing slightly different traits.  It's the latter, I've decided. It makes deciding what greeting to have on my phone quite the conundrum,  but I've just gone with my first name. Agree with @Watty1 and @KajiKita re fresh starts.  Onwards and upwards love Humdinger xx 
    Having never married it has not been an issue for me but VNM and I have discussed (no plans) and I would not change my name in the professional space.  Too much experience in the world I work and it seems my name is mentioned from time to time so I would keep it.

    Would consider changing personally thou - a new life and all that 

  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,375 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just catching up KK :smiley: I agree the hired gardener was well worth it. After seeing what professionals can do here in a day with the new extension I am more than happy to pay...it would take us 100x times longer :lol: 
    Thank you @SandyShores for the icecream recipe I am going to try that as DD loves mango.
    And on the maiden name/ married name topic, I couldn't wait to distance myself from my family name I was born with as I didn't want to think about my dad every time I used it. But after being married and changing my name and then divorcing I was super glad to take that maiden name back to distance myself from the ex :lol: . DP & I are engaged and I think if we marry I will hyphenate it so I still have my maiden name. It was such a pain to change everything. And even now I still have the odd thing I forgot about in my married name.

    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Totally agree with getting a gardener in @KajiKita! Considered expenditure that totally makes sense and allows you both to get on with your lives! Love Humdinger xx 
  • Cheery_Daff
    Cheery_Daff Posts: 17,144 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent work in the garden, well done! 

    I didn't change my name when we got married. Wasn't really a big decision, I just didn't even consider it 😂 It would have been a bit of a faff professionally for me, plus Mr Cheery had changed his own surname a few years before, and that was enough paperwork quite frankly, without going through it all again for me 😂😂

    My sister did change hers when she married though, and my mum went back to her maiden name a few years ago (after having been divorced for about 30 years) so there aren't many left in the family with the same name now!
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