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Mortgage free in Forever Home :-)
Comments
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Thanks @Brie, @LadyWithAPlan, @beanielou, @dawnybabes. @skint_spice, @PennysIntoPounds for the feedback and ideas on conversational topics.
Trump might be a good one we can all agree on
, books would be a good one to ask about (though our interests are VERY different), my dad's latest research (Mr KK developed the habit of Goggling him before every visit as a survival tactic early on in getting to know my dad!) ...
I have done a tot up of how many months before we will have got below £200K balance on the mortgage - at a typical, average monthly reduction of £1500 reduction per month under the current fixed rate mortgage deal (without OPs) it will be 23.9 months, i.e. 2 years, July 2027, so that's the first target to beat ....
KK
As at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.7 -
One of the mindful eating tasks after the last session was to try the 30 plants a week challenge. When I was vegan I did it and got to 30 plants within 3 days. I thought it was worth doing again now I’m veggie and I will be at 32 plants after dinner this evening (4 days of tracking) and that’s excluding shop bought veggie soups. Pretty chuffed with that - looks like the habit of eating a wide variety of plants has stayed with me 😊
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.7 -
Think I'd only get to 30 in a week if I was allowed to include anything that includes plant products like bread and pastries. And wine!!
Oh! A pork pie!! There is ground up wheat in the pastry - another veg eaten!!! (not)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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅🏅🏅2 -
As at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
i once went to a lecture which suggested counting colours as well. That was really fun, it was about the variety of polyphenols in plants, and the greater the range of colours the more you were eating so I did it and some of the habits stayed, like buying multi-colured bags of peppers, adding beetroot and so on just to increase the colour range.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 !!4 -
You reminded me to add some pickled red cabbage to my lunch … only to find Mr KK has eaten it all and not bothered telling me! 🙄😂🤷♀️Watty1 said:i once went to a lecture which suggested counting colours as well. That was really fun, it was about the variety of polyphenols in plants, and the greater the range of colours the more you were eating so I did it and some of the habits stayed, like buying multi-colured bags of peppers, adding beetroot and so on just to increase the colour range.
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
I love veg and always get at least one into a dinner even when it's supposed to be a junk food evening. The kids love that 🤣. I should see how many I eat perhaps not as much at the moment because kitchen is annoying to use whilst building works are going on, but tonight I have aubergine and courgette from the garden! I hope they taste ok 😁.Emergency Fund - £1000
Baby cash emergency fund £176/250
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 23/243 -
@debtfreewannabe321, I don’t love veg, far more instinctively inclined to carbs, but I am trying to re-educate my palate … 😉
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Knocked over some tasks thanks to my early finish Friday (there was serious, high level, professional adulting in work today too, but we won’t discuss that as I am me’ing here, not working 😉):
- Both of my washing loads done and dried easily outside 😊
- Bathroom and downstairs loo cleaned
- Emptied all internal bins
- Water jug cleaned, renewed filter and next date for doing it again recorded on the calendar 😊
- Cleaned the screen of my iPad - I have been meaning to do that for aaaages! 😉
- Did the week’s money transactions and set up a new month. Deliberately left myself short on some categories where I have been overspending lately … <ahem>
- Cleaned out the bottom of the fridge 👏😊
Happy with that lot 😊
In not so good news, the hose gun has catastrophically failed and the self holding bracket for the bottles shelf in the shower has split. Hope there won’t be a third thing … 🤞
KK
As at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Drying outside? I have a vague memory of that - it’s been pouring for ages here.Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug £20,
Summer challenge £140/3003
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