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Mortgage free in Forever Home :-)

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  • Merlin's_Beard
    Merlin's_Beard Posts: 1,477 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sounds like a lovely place to break up the drive!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • KajiKita
    KajiKita Posts: 7,593 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ticket booked online (after a bit of nonsensical to-ing and fro-ing with my MnS CC) and therefore a saving of 5% had! 😉

    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 = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £236 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. 
  • Watty1
    Watty1 Posts: 6,770 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Love you went old school. I think we miss so much using google maps or similar.  I remember finding a place called King Alfreds Tower by just looking at a map and thinking it sounded fun so I stopped there. Your post reminded me that sort of lucky find never happens these days so I might just have to buy a map.
    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 !!
  • SandyShores
    SandyShores Posts: 1,963 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I don't know how we set off on holidays around europe with just an AA map and a book called something like charming hotels of europe.  Crossing over a page in the map could be interesting, depending on where you were.  Nowadays I don't go to the next town without the sat nav on.   :smiley:
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • KajiKita
    KajiKita Posts: 7,593 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @Watty1, whenever I move to a new location I always buy an ordnance survey map of the area. It just gives me a feel of the topography, what local landmarks might be, so when people who live there talk about them I can get a sense of what they are on about. 😊 @SandyShores, I got fed up of using the satnav endlessly so tried to find one of the local beaches in my own … got a bit lost! 😉😂

    Heading home today. As I mentioned I will be stopping off at Laugharne Castle on the way for a leg stretch but should be home by lunchtime. Looking forward to going home.

    Lessons learned from this trip include:
    - It’s worth paying more for better quality accommodation (Mr KK is always a bit tight and we end up in hell holes like the damp smelly one last time! 😂)
    - Although this has been lovely, I probably won’t be back as I need self catering to allow for healthier eating options (food has been very limited round here - I’ve eaten sooo much cheese I need to detox! 😉😂) and not having to go out yet again for dinner in the evenings. I would bring precooked batches I could pair with wild rice or a baked potato. 
    - This is quite remote - 3 miles of single track lanes after coming off the main road. It’s been beautifully quiet but it would be hard to cope with in wet weather. 

    When I get home I’m going to take advantage of having had the change in perspective you always get when you go away and take photos of all the places ‘that offend my eye’ and use the rest of my holiday to at least make a start on clearing them down / tidy them up (the dining room table I know is a strong candidate!).

    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 = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £236 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. 
  • KajiKita
    KajiKita Posts: 7,593 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh and as an aside, and feel free to skip if hearing about people’s dreams bores you … 😉

    Had a restless night last night, stuck in the same mad dream. 

    I was responsible, the lead if you like, for a big eco project on my land (big land!), Tim Smit / Eden project stylee! It was getting more and more complicated and stressful. I kept semi waking, rolling over and trying to think of something else and it kept starting up again! 
    Very odd and 1000%, NOT what I would ever want in my life! 😂😂😂

    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 = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £236 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. 
  • skint_spice
    skint_spice Posts: 13,398 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think dreams are interesting, mine are sometimes related to something that has happened or a book or film that I have read or watched that day but other times they are just completely random! 
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Watty1
    Watty1 Posts: 6,770 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I often think dreams are the mind doing a spot of filing.  A filing cabinet gets open, the files ruffled through and long forgotten projects are pulled out and examined just not looking quite the way your conscious mind put them in the file.

    Fanciful I know but my dreams often involve odd things like the ex and his brother trying to get him to sign over a house that I had long before them, or tigers patrolling gardens I used to have, particularly the one in Putney.  Which is odd because the garden in Putney consisted of a metal projection to the fire-escape and was only big enough for a couple of pot plants so how the tiger got there.... well see, my mind has clearly been riffling through the files and got them all muddled (laughing here) 
    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: 9,343 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Holiday sounds near to where my son was desperate to escape from when he lived there. I thought it was beautiful but he told me that's because I'm old. 😆
    I once threw a sat nav out my window in a strop because it had taken me to another field in the middle of nowhere, about the third in a row and I was losing daylight. I did go back for it but then proceeded to throw it around a bit more and scream at it. Threw it in the boot and got out my big old AA map book and had to guesstimate as to where the sat nav had got me lost. I didn't use another sat nav for over ten years 😆 and it was only because people kept convincing me they were better now than they used to be lol. 

    I have a dream dictionary, or two 😉 and used to love deciphering dreams for myself. You can internet search their meanings these days, sometimes I think it's intuitive thoughts coming to the surface and sometimes just subconscious making sense of the day to day stuff especially when we're feeling a bit overwhelmed or stressed. 

    ♥️☺️
    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
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So glad that you are enjoying your break  :)
    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.
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