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Mortgage free in Forever Home :-)
Comments
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Good that you eventually got the prescription sorted, well done you for pursuing it.
Though don't worry too much about if you would have been better in tough job with it, you were working with absolute nightmares. The (?)German was a psychopath and I will never forget your colleague/charge bragging about how he used to 'go out on the rob'. No amount of meds is changing having to deal with those people day in day out!2 -
Thanks @PennysIntoPounds 😊 and that hideous commute …
But … I still have the feeling that ‘I failed’ and it frustrates me that this was probably partly why … (might have even been a big part … 🤷♀️)
I’ll get over myself! 😉
I’m paid less now, but life is soooo much better 😊
KK
As at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.6 -
Glad you got the prescription sorted out - fingers crossed that that makes life better!
I think it's hard to remember with jobs that you only have a certain amount of control, and that you can only affect the things that are under your control. A lot of the rest of it is just putting yourself in the right environment (or taking yourself out of the wrong one).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 20252 -
Love the wee snowman lurking 🙂KajiKita said:Cut some flowers for myself 😊
Done a couple of rows of my crochet blanket and started a new book 😊
KK3 -
As you know I very much emphasise with a lack of care towards women's health, but don't give in to the gaslighting instilled by German that 'you failed'.
We all saw you battling through and giving it your all, and whatever your all was, was never going to be able to compete with someone who woke up every morning seemingly with the aim of undermining you, stressing you, and just downright lying. He was a psycho and it's good that you're healing from that, so keep up that good work and do not start second guessing yourself again!5 -
We have this thing, where every, single, year, without exception *or* intention, some Christmas decoration does just not make it back into storage … I have no idea why! 😂🤷♀️Love the wee snowman lurking 🙂
This year it was this snowman that is from a set of crackers where you end up with a set of them and a little ball, that you can use to play a form of table skittles … 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.5 -
I’ll try … 😉PennysIntoPounds said:As you know I very much emphasise with a lack of care towards women's health, but don't give in to the gaslighting instilled by German that 'you failed'.
We all saw you battling through and giving it your all, and whatever your all was, was never going to be able to compete with someone who woke up every morning seemingly with the aim of undermining you, stressing you, and just downright lying. He was a psycho and it's good that you're healing from that, so keep up that good work and do not start second guessing yourself again!
It does help that I am still enjoying this new job so much 😊
I’m always surprised by them paying me … 🤷♀️😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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.5 -
Still a bit wonky, but getting more convincing 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 0 books of target 52 in 2026 as @ 1st January
Produce tracker: £0 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 -
I think that looks pretty good! I must get practising as mine are very wonky😂Mortgage OP 2026 £0/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Make £50 a month Jan £0
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
It’s the age old debate …debtfreewannabe321 said:being sensible and OPing / building a pension is not very compatible with living a bit more is it ... sigh ...
I have the exact same struggle going on all the time 😑😆.DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest4
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