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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Another book up just when I was in catching distance 🙄😁
    Oh trust me, you’ll easily catch me up again once I’m back in work … 😉

    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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,359 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    That sounds a very tiring but worthwhile day.
    Driving somewhere you're not used to, by yourself, with stressful matters on your mind is always going to be extra energy intensive.

    Good on you for sensitively broaching the subject, I bet it's made them feel much better this evening for having been able to have that chat.

    That's a bit odd about SiL's mention of MiL, 'losing blood from somewhere' isn't a thing?
    I don't know her capacity to accurately remember or report, or MiL's to SiL, but since we know they're both a bit not right in the head what with the wedding dress incident, maybe say to Mr KK something like 'I don't know if she was trying to be dramatic, especially if she was maybe a tad jealous of me being on good terms with your niece and her partner about everything that's going on with them, but perhaps give your mum a call in the week just to make sure there's nothing extra occurring'? 
  • Brie
    Brie Posts: 14,758 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It's such an extraordinary elephant in the room if someone doesn't mention a death.  Worse still when it's a child or baby I think.  You did well - but I expect that you are much better at reading a mood than some.
    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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  • PennysIntoPounds
    PennysIntoPounds Posts: 4,359 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Ah, fair enough, I guess just ask him if she mentioned anything to him then, gives him an opening to start thinking if not talking. But don't discount that 'bleeding from somewhere' isn't a medically recognised condition and that she's clearly got an unhinged streak that means her account should be taken with enough of a pinch of salt to do you for several chippie teas
  • Watty1
    Watty1 Posts: 6,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done for bringing up that devastating loss.  I am certain they appreciated your thoughtfulness and care.  

    Does sound as if MiL might need some more questions being assigned.  That’s a difficult one.  
    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 !!
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,363 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    What is powdered comfrey? And how did you make it? Or do you buy it 🤔

    Well done for bringing up the baby and asking the question if it was okay to talk about it. I would want to do the same but sometimes I do feel awkward doing so in case people don't want to talk about it and it sets them off in this sort of situation so I wouldn't have known what to do and there's a good chance I'd have kept quiet and second guessed whether to speak about it all day..your approach is far better!

    I'd like to grow some onions and shallots next year. This year I got started too late on the garden to get much but we have a glut of courgette and cucumber which I'm pleased about and we've had enough aubergines to make buying the plant worthwhile 🙈😆.
    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
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