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Mortgage free in Forever Home :-)

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,386 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I was in hospital with sepsis years ago and they were trying to put some cannulas in and they kept having to move it. They ended up bruising me from fingers all the way up to the top of my arms. 😳 I now have a massive phobia of needles and them trying to take my blood that I think my veins shrink in fear. 😬

    Glad you had a lovely day out with friend KK. 😁
    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
  • KajiKita
    KajiKita Posts: 7,684 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @greenbee, I think the skills in hospitals are even worse, based on Mr KK’s experience when he was in hospital due to his kidney stone. How does getting your brother to do it work? He’s allowed to do that for you? 

    @debtfreewannabe321, tbh it wouldn’t surprise me if your veins do shrink in fear, after all, a fight / flight response redirects blood to the bits of you that can fight or run … 😉 It’s one reason why I always have a big glass of water before going for a blood test, as I think mine do the same and at least I know I’m not adding dehydration to the mix. 😊

    Well I’m back from the air con diagnostic. £30 later and I now know that my condenser is leaking … £500 to fix (that does include all parts, labour, regassing and vat) so I think I’ll wait until next spring to get that done, before we got to France on our second honeymoon trip in June. I have put a note in my diary. 

    The good news is that I have recovered more of my day than I thought I might. So after a brew and a snack (the nuts I packed for the wait at the garage and a satsuma) I’m going to get changed and head out into the garden where it’s cool and intermittently shady - perfect gardening weather 😊

    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 = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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: 7,684 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I know it’s ridiculous, but I have just ordered 2026 diaries for myself and Mr KK as I am already collecting dates in need to record …! 

    I have postponed my next dental check up that was coming up next week to February as my teeth seem to be fine and they offered me a 12 month interval anyway last time I was there. I shall empty that pit and make it an OP. 😊

    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 = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • greenbee
    greenbee Posts: 17,799 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    @greenbee, I think the skills in hospitals are even worse, based on Mr KK’s experience when he was in hospital due to his kidney stone. How does getting your brother to do it work? He’s allowed to do that for you? 
    He's a qualified medical professional :) 

    Phlebotomy at my last two hospitals were brilliant. The nurse at my current practice is too, so no need to hijack my brother in recent years!
  • Pollie
    Pollie Posts: 247 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Don't forget the ever faster price increases when considering deferring the condenser work on your car. 
  • KajiKita
    KajiKita Posts: 7,684 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Pollie said:
    Don't forget the ever faster price increases when considering deferring the condenser work on your car. 
    I understand what you mean, but there is no guarantee that will be the end of the work (because the system leaked at the condenser, they weren’t able to test the rest of the system) / how long the repair will last, so I’d like to wait until next spring. They have told me that the prices on these kinds of components don’t normally go up in price much in their experience. Plus, due to job changes etc. I am very short of leave days now for this year, so again would rather wait until next year.

    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 = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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: 7,684 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hacked out the weeds in a part of my garden that has been visually offending me for a while. 💪 Planted out the last of sections of plants my very serious gardening friend gave me last autumn - a dark pink Japanese anemone 😊

    Cleaned the bathroom. I actually can’t remember when I did it last but it certainly needed it … 😳

    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 = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,376 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    KajiKita said:
    Also very glad you had a successful blood test, I used to take blood in a previous life (as in job, I'm not a reincarnated vampire that I know of) and was weirdly good at it (okay maybe I'm a reincarnated vampire 😁) and it p*sses me right off when people say, and stress about, that they always have difficulties due to small or unstable veins. Phlebotomists need to feel, not look 
    To be fair she listened to my feedback about needing a fine needle and did a lot of padding and tapping and choosing before she went in and got it first time. It did hurt a bit though. 
    It’s not a job you’d consider gong back to? 

    Alas it's the sort of job that doesn't allow for the unpredictability of a chronic pain condition, and bank (as in quasi freelance) jobs don't really come up. I loved it though (not a vampire!)

    Glad you got someone who listened 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,376 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 1 August at 8:20PM
    Also, now I've got my past professional hat on, as you say KK, definitely make sure you're hydrated before blood tests. We often made patients down a glass of water, it makes a difference

    ETA we didn't 'make them' 👀😁
  • badmemory
    badmemory Posts: 9,638 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Also, now I've got my past professional hat on, as you say KK, definitely make sure you're hydrated before blood tests. We often made patients down a glass of water, it makes a difference

    ETA we didn't 'make them' 👀😁

    I didn't know that about hydration/blood tests.  I will remember that for next time my TFT is due which is soon.  Sorry thyroid function test, I've been having them so long I take them for granted.
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