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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 8,435 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 25 July at 9:22AM
    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 😊

    KK


    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 59books of target 52 in 2025, as @ 18th October 
    Produce tracker: £426 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: 13,551 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hopefully the weight gain is down to the cheese and will vanish quickly!
    Mortgage OP 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Money making challenge £78/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 8,435 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 59books of target 52 in 2025, as @ 18th October 
    Produce tracker: £426 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,720 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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 :lol: 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!
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • Twolabsandacat
    Twolabsandacat Posts: 36 Forumite
    10 Posts
    Beautiful flowers KK  <3
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,556 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    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 2025
  • CCW007
    CCW007 Posts: 1,099 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    What lovely photos!
  • Watty1
    Watty1 Posts: 7,241 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 !!
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