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Mortgage free in Forever Home :-)
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isn't that just like a cat!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: +12 -
Of course! Then little Madam woke me up at 4am this morning by ripping the carpet up outside my bedroom door! 😂Merlin's_Beard said:isn't that just like a cat!
Went to a needle felting course today, on my own, because my friend who was supposed to be going hadn’t actually managed to get herself on the course / book time off … 🙄
It was really good. I’m absolutely shattered now as I never spend a whole day doing any kind of crafting so it was quite intense, but I learned a lot, enjoyed the company of the other people on the course and the tutor was great. 😊
It’s not finished but here is my piece:
(I’m calling it folk art! 😉😂)
The tutor had done a piece a bit like this, but I riffed on it a bit, changing the background and the colours of the flowers. For the first time ever of doing a course like this, I think I might actually continue with it outside the course as it is so easy and accessible to do 😊
Harvested some bay leaves and the first plums. There are MASSES of plums but most aren’t ripe yet, only another week or so and they will be ready. 😊 Then MiL can get into her jam making 😊
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 75 books of target 52 in 2026 as @ 21st October.
Produce tracker: £348 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.8 -
Ooh, that's beautiful, well done you!1
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That is very pretty. I have to admit I was bought a kit as a present and never actually tried it.Must go and check the plum tree.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
So good 😊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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]0 -
I love it it's so pretty 😍Emergency Fund - £1000
Groceries October £ 299.41/5001 -
Lovely picture, I have done both wet and dry felting classes and both were great fun!Mortgage OP 2026 £1920/2000Mortgage balance: £29,386
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £50 -
I've tried needle felting a couple of times and enjoyed it, my main issue is knowing when to stop and not add yet another bit in 🙄. Your piece is lovely,0
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Well done, your picture is beautiful, the colours are fantastic.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family0 -
Thanks @Cheery_Daff, @redofromstart (good luck with the plum rustling 😊), @beanielou, @debtfreewannabe321, @skint_spice (does wet needle felting give you a flatter, denser finish?), @teapot2 (everyone was doing a lot of removing and rethinking yesterday! 😉), @Baileys_Babe 😊
Damp here and will be very damp in the garden I am going to today to meet up with an ex-colleague I haven’t seen for a while. 😉 It will be good to see her and this is my last ‘outing’ of my holidays so I hope it goes well! 🤞
Blood test I have to get back for this afternoon and my pay has landed so it’s time to do the monthly money-shuffle 😊 Also need to change the water filter and order new contents.
One thing I observed this morning, which cheered me. Normally as I feel a break drawing to a close I have a feeling of dread and resentment that my life is ‘closing down’ into work again. This time it just feels like I am going back to a different facet of my life. The shrinking I normally feel isn’t there this time 😊
Right, must get in with stretches and breakfast! 😊
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 75 books of target 52 in 2026 as @ 21st October.
Produce tracker: £348 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.8
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