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Mortgage free in Forever Home :-)
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The problem for me is, I just can’t bring myself to use weedkiller ….
KKAs 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.4 -
I wonder if it would work if you used the same technique but then used vinegar or similar instead of a commercial chemical.KajiKita said:The problem for me is, I just can’t bring myself to use weedkiller ….
KKI’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
⭐️🏅😇1 -
Prompted by other posters here, I have been having a think .... as you do ... and am wondering about automating things like OPs and pension contributions a bit more. I am feeling like I am treading water atm (partly because everything such as OPs or SIPP inputs are on hold due to the building works we are doing).
I have cancelled n3tflicks, so that's £17.99 a month freed up and I have reduced my outgoings on fuel since starting this job which I think has reduced my outgoings by a further £60 pcm or so. I think a budget review is in order! I can then suss out what I could afford to automate to either OPs / SIPPs and split the difference 50/50.
I shall return and let you know what I decide to do ...
KKAs 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.8 -
nutflicks is £17.99??? Is that an ad free version or something even better??
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 -
Ah, sounds like I have misremembered. I need to check this out…Brie said:nutflicks is £17.99??? Is that an ad free version or something even better??
I have been thinking about minimal cooking options for dinner across this weekend. We are agreed on:
- burgers in buns
- omelette
- fajitas
- gammon, wedges and salafd
KKAs 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.4 -
I've been making a lot of fajitas, pizza, omelette and JP here too in the heat. I can't be bothered with standing in the kitchen boiling for hours on end!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
3 -
How are you making JPs and especially pizzas, without having a hot oven heating up the house ...? #intrigueddebtfreewannabe321 said:I've been making a lot of fajitas, pizza, omelette and JP here too in the heat. I can't be bothered with standing in the kitchen boiling for hours on end!
Got up at 4.30am this morning in solidarity with Mr KK, as he wanted to concrete the front path (the longest one!) outside the kitchen before the sun came round and made it unbearable .... We are heading to the builders merchant tomorrow to pick out the stone slabs - Squeee!!!
I tried to clear my cut flower border but only managed c. half of it before I had to give up and come into work. It does look better though Showed a colleague who is mad on crochet (and VERY skilled - makes soft toys etc.) my 12mm hook and related wool for my blanket - she really liked it
KKAs 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.4 -
My kitchen is so badly designed the back door just happens to be next to the oven. So I prop it wide open and stick them in with a timer and walk away 😆. JP I use air fryer with and do the same.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
3 -
Doesn’t sound badly designed to me! 😉😂debtfreewannabe321 said:My kitchen is so badly designed the back door just happens to be next to the oven. So I prop it wide open and stick them in with a timer and walk away 😆. JP I use air fryer with and do the same.
KKAs 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.3 -
4:30am??? Oh no, you must be shattered now!Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1
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