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Mortgage free in Forever Home :-)
Comments
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Thanks @skint_spice, @Watty1, @debtfreewannabe321 and @beanielou.
Tbh, I think the dream is a curious mixture of being ‘unmoored’ from routine, familiar surroundings, Mr KK and the fact that I know I will be walking into a !!!!!!-storm when I go back to work - I had a long call on the Friday morning before I finished which has sat heavily in my mind ever since I finished. That and reading a book last night about someone who had to pack up her life and leave a 2 acre plant centre and start again somewhere almost completely uncultivated but has done everything she can to make the new place a haven for wildlife …
I had another realisation as I was driving home today (it was a long, 4 hour schlep).I have spent the last three days talking and thinking about me. What I want, what I think, where I want to go, what I want to do etc. I so very rarely do this. And I haven’t been talking about Mr KK to make me more appealing / interesting …
I hadn’t understood before how much I normally do this …
Anyway, I and the car are safely home and everything is unchanged! 😉 Well, apart from two huge crates of stone slabs in the front garden! 😳😂
Unpacking half done, bed changed to fresh linen and I am chilling out in front of the fan for a bit. About to push on and finish the unpacking / putting away.KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- 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 59 books of target 52 in 2026 as @ 15th 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 -
Managed to ‘sleep in’ until 6am … 🙄😂😉 (I was waking at 5am when I was away.)
Washing is on. About to hang out first load.
Stretching session done. Feel a little less car seat shaped. 👏
Weighed myself … oh dear … hopefully a temporary aberration of an increase which will disappear quickly?? 😳😉😂Throughly scrubbed the insoles of and wiped out the insides of two pairs of summer flat shoes. They are now ready to bake dry in the heat of the conservatory 😊
Brought down all the read NSs on the floor in front of my bedside cabinet and recycled them.A la Foxgloves, I shopped from home this morning and replaced a dead houseplant in the display in the living room with one I had a cutting of in the kitchen 😊About to head out and pick up my prescription. Then a little cutting back in the garden, mainly of hardy geraniums which have finished and then get ready to put for lunch with a local friend 😊
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- 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 59 books of target 52 in 2026 as @ 15th 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.4 -
Hopefully the weight gain is down to the cheese and will vanish quickly!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
Summer challenge £120/3000 -
Nice thought! 😂😂😂 I’m not sure that cheese gain does vanish quickly! Carbs and salt might … 🤞😉skint_spice said:Hopefully the weight gain is down to the cheese and will vanish quickly!
Not boasting but … I am really chuffed with how the pots close to the house are doing this year 😊

Please excuse the hose through the middle! 😉

The one on the left definitely needs a bigger pot next year!! 😳😂
Just on the cusp of needing to chop back the lady’s mantle before it drops seed everywhere 😊
KK
As at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- 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 59 books of target 52 in 2026 as @ 15th 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 -
Did all my financial updates this morning. Deliberately, to scare me into sensibleness about how much I spent over the last few days … and actually it wasn’t as bad as I feared! 😊
Went out for lunch with the local friend - she drove so I paid at the local, posh garden centre. We’re slowly getting to know each other a bit better now and are both getting to be more at ease with each other 😊
I paid for lunch with cash and for two plants I bought (for a specific project the bed by the gate at the top of the drive) so I am counting today as an NSD 😊
Washing all brought in, completely dry 😊
Chinese takeaway tonight (Mr KK has already given me the cash as he thinks it’s his turn - it probably is actually 😊) and then tomorrow taking artist friend who broke her femur to Sudeley Castle gardens (she doesn’t know where she is going yet - it will be a surprise 😉). That will be a spend day as tickets for the gardens and lunch will completely consume my cash.Monday I am staying at home, on my own! 😂
KK
PS - has anyone else got young but fledged birds trying to crack open snail shells in random places all over the garden atm? Everywhere I go outside right now, there is a tap-tap-tap-tapping! 😉😂❤️As at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- 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 59 books of target 52 in 2026 as @ 15th 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 -
Gorgeous pics! Much of my flowers are all dying back already. It's been too dry and I was too lapse with the watering. OOps 😂😏.
My DD was telling me about a crazy dream she had last night with ringo starr and john lennon...she didn't even realise who they were until she g00gled them this morning
I had to point out the poster on her bedroom wall and say - they were in that band there! She's like ooooo. It reminded me of your dreams though...and I think dd was probably from the week's overwhelm tbh.
Hope work isn't too bad when you return!Emergency Fund goal - £1000/1300
Mortgage OP goal 2026 - £1200/£4500
-Smaller goal £0/800
Read 24 books this year 22/241 -
Beautiful flowers KK
1 -
Gorgeous pictures KK! Your garden looks great. Sounds like you needed that break away from everything.
I'm still trying to lure the birds into my garden - it's a work in progress. The young starlings are just sitting on the top of the bird feeder screaming at their parents when I see them!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +11 -
What lovely photos!2
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Lovely pics, especially the blue pots. They are gorgeous.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 !!0
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