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Mortgage free in Forever Home :-)

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  • Suffolk_lass
    Suffolk_lass Posts: 10,321 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Is there any possibility of doing a periodic day working from home? I used to work compressed hours - 9 in ten with day five at home (without children!) so that I interspersed domestic tasks in my work breaks, and found the mind-numbing routine of cleaning and washing, drying, folding and so on, gave me time to think about work, rather than running headlong at it.

    It gives your team a chance to take a breath too, and I found there was no drop in productivity. Asking them how we could work smarter, more effectively and less intensively resulted in some staff-driven changes that they were happier with. It was only with a little feedback from the changes that I found out I terrified some and unintentionally intimidated others (not all...)
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • KajiKita
    KajiKita Posts: 7,867 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @Suffolk_lass - I was hoping you might comment. Someone else has suggested a 9 day fortnight. I’d be interested to know more about how the working hours would work out to ‘earn’ that day off. 

    I’m about to go through a 360 review with all my team (and others), so perhaps that will give me some insights too 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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: 7,867 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I have had a win this morning! 😊

    Mr KK had a visit this morning from two friends he is going to France with (with the Jeeps etc) in June. They owed him some ££ as he’d paid for the boat for all of them. £140 in fact. 

    I overheard this conversation as I was making my breakfast in the kitchen where they were, so suggested to Mr KK after they left, that I have £50 of this money to send to the mortgage…. He leafed through the money and, because there were only £20 notes, gave me £60! I have put that £60 cash aside for my ‘pocket money’ in April and sent £60 across to the mortgage from my low interest savings account 😊 He has finally made his first OP! 

    Excellent! 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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. 
  • SandyShores
    SandyShores Posts: 1,975 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Woohoo to the overpayment @KajiKita.  

    I feel you with the work-life balance situation, I don't know if hearing about my experience will help.  I found it eased once I'd been in my job almost two years, I think knowing the job a bit more helped, and I felt able to do a 'good enough' job rather than stressing to impress, so I'm happy to leave on time now and/or take back some of the extra time I may work at times.  I haven't done the 9 day week, but I do start late one morning a week and leave early one afternoon - it just allows me a bit of extra time to focus on home things and makes me feel that there is more of a balance between work and home.

    I also used to do a big shop at the weekend, which really ate into my weekend, so I've started doing my big shop during the week (and hopefully once a month) - its so much better than shopping with the hordes and my weekend feels more spacious.  Also helpful is that we have a meal delivery account set up, so if we have a busy week coming up, we'll order a box and then all the meal planning and shopping is taken care of - we just have to cook it, and Mr Shores is much more likely to cook that way so its a double win.  It might cost a little more but I feel its worth it to free up my time.

    Don't forget as well, that with spring/summer approaching we will soon have longer days.  Winter always seems to be work, eat, sleep.  But I'm sure you'll find a balance for you Kajikita, it just might take a bit of trial and error.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • KajiKita
    KajiKita Posts: 7,867 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @SandyShores - it does help. Is that late morning start and early afternoon start agreed with work, or do you just plan your meetings that way? You are right about the two years thing - this is c. 1/6 of the way through my second year - it’s like expectations of me have increased but I don’t have any of the shortcuts yet, or not many. 

    We aim to never do a big shop at a supermarket (we don’t enjoy the experience and don’t like the time it robs from us), so always have a groceries delivery, every weekend. I think me food shopping, mid week, after work would be a disaster! 😂 Meal delivery options don’t really work for us with me me being vegan and hubby being omni, sadly. 

    I think you are right about the season too. It occurred to me over lunch just now, that one of the differences about the last week, is that I have seen a lot more daylight - my desk is a looooong way from the windows in work, so perhaps getting out for one round of the site a day at lunchtime might also help?

    Still so chuffed to get that money from hubby and off the mortgage! 😉😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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. 
  • South_coast
    South_coast Posts: 5,905 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I love the concept of "stressing to impress" - not come across the term before, but I can certainly relate 🤦‍♀️!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • KajiKita
    KajiKita Posts: 7,867 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Had a constructive day. 

    As well as the significant OP, I have:
    - cleared the downstairs loo alcove of all meds and makeup (into a box for now - I will sort through them when reloading them back into whatever storage we end up with), wiped down the shelf so it’s nice and clean for Mr KK to make filthy when knocking the aperture through for the window! 😂

    - cleaned bathroom and downstairs loo - least pleasurable task I ever do. 

    - knocked a hole in the groceries costs tracking sheet - all the Mr T costs are in there, about half away through Mr Sainsbugs. Then need to move onto other comparisons - I’ve highlighted some high cost items already to start on. The other thing I notice is how expensive dried herbs are - £42 per kilo for dried rosemary!! 😳 I am sooo growing AND drying more herbs this year. 

    - Finally! Finished the path through the Border of Doom! 👏👍💪😊 So pleased - I had this idea (of a gap in the wall and path / sight line down to the pond) last summer and we started it at Christmas - this bed is SUCH hard work, but this feels like a real step forward 😊



    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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. 
  • Tescodealqueen
    Tescodealqueen Posts: 1,270 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Re compressed hours . I did them as a civil servant. 37 hour standard working week could be worked over 4 days giving one day off. You had to take at least a 30 minute lunch break on top of that. So I worked 9 and a quarter hours each day plus the 30 minute break which meant being in the office 9 hours 45 minutes each day. With a two hour round trip commute by train it made for a long day but I appreciated the 3 day weekend. Hope that helps
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,487 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I do a 36 hour week compressed over 4 days (with extra hours for weekends in my case) and I wouldn't go back to a 5 day week. That weekday is so useful for getting stuff done! The downside is that I still haven't figured out not being exhausted after work and needing some weekend time to recover, but I think that 's me rather than the hours.
    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
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