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Mortgage free in Forever Home :-)
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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 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 39 books of target 52 in 2025, as @ 27th July
Produce tracker: £227 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.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 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 39 books of target 52 in 2025, as @ 27th July
Produce tracker: £227 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 -
Hopefully the weight gain is down to the cheese and will vanish quickly!Mortgage OP 2025 £6000/7000Mortgage 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)0 -
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 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 39 books of target 52 in 2025, as @ 27th July
Produce tracker: £227 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.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 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 39 books of target 52 in 2025, as @ 27th July
Produce tracker: £227 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 -
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 morningI 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!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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Beautiful flowers KK1
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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: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20251 -
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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