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Mortgage free in Forever Home :-)
Comments
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Embrace the energy while you can.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Thanks Beanie ❤️ That sounds heart felt from you …beanielou said:Embrace the energy while you can.
Woke very early but not tired so …
Done my Duolingo and the brain training thing.
Watered the greenhouse and the cut flower patch.
Harvested a further small bowl (260g) of tomatoes 😊
Emptied the dishwasher which was packed to the gunnels last night!
Now back in bed waiting for Mr KK to bring me a cuppa, as he’s finally surfaced 😊
KKAs 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.5 -
Been out and bought an armful of pretties from the local plant centre I have put in the patch of ground under the Japanese Maple that I cleared yesterday evening. £23.20 from pocket money so still an NSD 😊 Knocked one of the salvia stems off so brought it inside the house and popped it in some water to see if it might root, as per Redo 🤞😊 Plants I put in are really well watered and I have mulched as well 😊
Cut back the hazel, brambles and other undergrowth at the back of the parking space we have opposite the house. We used to use this area to put my car on until we put the drive in and it’s still worth cultivating as it’s useful for visitors on our single track lane.Had a nice conversation with my mother! 😳 I asked her about our visit in September and she was mildly exasperated that I wasn’t asking my dad (but when I ask him he says it’s down to her …! 🙄🤷♀️😂😂😂 I managed not to say that - please admire my discretion…! 😉). Anyway, she was assuming we would be going round for dinner on the Friday (that’s a big win 😊👏) and apparently my dad would like to go out with us somewhere on the Saturday. So, I took the opportunity to mention the steam train and boat lake ride that Mr KK has been havering at me for years to do …! We will see what comes of it, but that would be a huge win from my perspective! 😊🤞
Read one of the novels I picked up in the library yesterday. It’s a detective type story by an Indian writer and is absolutely stuffed with food references! 😂😉
Wrangled Mr KK’s washing for him and managed to sneak a few bits in there for me! 😉
I am showered and sat in front of the fan now 😊 Going to have another go at a granny square pattern I tried and got muddled on yesterday, whilst Mr KK cooks dinner. Then I have lunch and breakfast to prep for tomorrow and the day will be done 😊
KKAs 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.6 -
And in other news …
Mr KK has had two serious nibbles of interest about him selling his oldest truck! One a museum in Jersey and someone else down on the south coast. Neither has quibbled at the price (£22K). Be interesting to see if this pans out …
I’m encouraging him to think about what to do with the funds. The sensiblenesses of topping up pensions and OPs are, atm, being somewhat drowned out by the possibility of finally getting to do the Spitfire flight that has been on his bucket list for ever … 😉❤️
KKAs 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.9 -
We've had rumblings of redundancies at work and I've been looking at what I'd do with the money if it happens. I read something about paying it into a pension, claiming tax relief and also immediately taking a 25% tax free lump sum (I could also take the pension but would leave it invested otherwise MPAA kicks in). I haven't looked into it properly but, assuming the spitfire flights isn't £22k, I wondered if that might work for MrKK - pension savings as well as some cash for now."Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Cut some flowers for myself 😊
Done a couple of rows of my crochet blanket and started a new book 😊
KKAs 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.10 -
We’ve had a further conversation over dinner and reality is slightly surfacing. 😊 I’ve suggested a four way split:SandyShores said:We've had rumblings of redundancies at work and I've been looking at what I'd do with the money if it happens. I read something about paying it into a pension, claiming tax relief and also immediately taking a 25% tax free lump sum (I could also take the pension but would leave it invested otherwise MPAA kicks in). I haven't looked into it properly but, assuming the spitfire flights isn't £22k, I wondered if that might work for MrKK - pension savings as well as some cash for now.
- Pension
- OP
- Treat / bucket list fund
- EF - he needs this as his savings, such as they were, have been wiped out by the new tax rules for self employed people.
He could follow the logic of my approach 😊
KK
PS - we’ve evolved from a spitfire flight to a Lancaster flight in Canada now …! 😂😉 (Would probably work out about the same cost overall.)
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.5 -
I visited the museum in Jersey a very long time ago & it was superb.
POsitive muttering from your mum.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
I’m here to share my new kitten !!!!!! as requested 🤣🤣🤣
Sealed pot challenge 822
Jan - £176.66 :j6 -
Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
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)2
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