Mortgage free in Forever Home :-)

KajiKita

skint_spice said:

4:30am??? Oh no, you must be shattered now!

We were both tired (and especially Mr KK after using pretty much all of a tonne bag of gravel! 😳💪) but we carried on as normal until our 10pm bedtime and both slept well 😊🤷‍♀️😉

The weather here is verrrrr hot and I am pretty much nonfunctional in it so have been thinking instead …

I have updated and then rejigged my budget:

Various things needed adding in (boiler service, chimney sweep, miscellaneous house (as opposed to DIY projects for when little things like the kettle go phut!) and new glasses pots, but have taken out netflicks, garden organic subs (I’ve sent the cancellation email this morning) and cat food (it’s already covered in the food budget pot so it was duplicated). 

Gone up includes: Mobile costs, cat vet costs, cat insurance, buildings and contents insurance, DIY and firewood, gardening, bird seed, clothes footwear and a couple of supplements I need in order to function.

Gone down (not as big an category I’m afraid … 😉) includes: petrol (from £165 to £60 pcm and that’s generous 😊), car service and car insurance costs and day to day teeth maintenance (I’ve recently switched to an alternative product)! 😉

I then looked with a critical eye and chopped back the Christmas, birthday, clothes and gardening budgets …!

The net result is I have £148 pcm surplus. 

I have set up a SO to the joint account for £110 which then leaves the joint account as a monthly SO OP, three days later, from next month. If I stick with this every month (and I hope automating this means it will just become routine …), it will knock a year off the mortgage. I’ve told Mr KK what I’ve done, how and why and he’s said he will have a look at his finances and try and find a further £70 pcm to help. That would take a further 7 months off the mortgage 😊 (I will believe it when I see it 😉 but it’s good to hear that he wants to ‘contribute’ as OP’ing has always been my thing so far. 😊).

The further £38 surplus I want to divert to my SIPP but I need to work out how to do that …

In other news, we chose and ordered the paving slabs this morning for the paths around the house and the deck at the back of the house 😊❤️👏 That’s the last of the chunk of severance settlement monies I allocated to this project. After this we will have to go 50/50 on any further spends. (We will need sealant for the stone at some point before the winter sets in.) 

KK

KajiKita

We’ve been eating outside in the shade on our deck this evening. Mr KK very happy 😊❤️ 
I fed him my homemade burger relish and he liked it 😊👏
(Please excuse the state of the table 😉)



KK

PennysIntoPounds

What a delightful summers evening picture 😊

That's a fabulous monthly saving and mortgage cutting, and brill that Mr KK wants to join in too 

Watty1

the ideal summer evening ...love it!

Merlin's_Beard

Oooh that looks absolutely lovely.

debtfreewannabe321

It looks lovely and very peaceful 😌

KajiKita

Thanks @PennysIntoPounds, @Watty1, @debtfreewannabe321, @Merlin's_Beard 😊 I suspect we will have our fajitas out there tonight too 😊

Boring day here. Every time I move away from the fan I start to overheat, so I’m not, much. 

- Got Mr KK’s washing on the line but will wait a while for it to cool down to bring in.
- Emptied all internal bins.
- Finished reading another novel. A fantasy with a talking cat and a happy ending - that’ll do 😉😊
- Rang my mother to wish her happy birthday - she thanked me for the card, told me that no flowers had arrived and finished the conversation in 8 minutes 56 seconds saying she would let me know if the flowers arrive … 🤷‍♀️ (I tried …)
- Done all my financial updates. If I have read my estimated numbers, that I set out as my targets for the 12 months after remortgaging, correctly then we have reached what I thought we would start November at as a mortgage balance already, with 3 months left to go for further OPs. This is encouraging 😊
- £5.16 TCB and 56p TT sent as OPs 😊

KK

Brie

What's the cat book??  

Also pleased that there's proof of Mr KK!  Well I assume those aren't your legs!!  (& the rest!)  

KajiKita

@Brie 😊




KK

edinburgher

Mr KK is working like a Trojan 👍🏻