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Mortgage free in Forever Home :-)
Comments
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Just catching up, yes you might have coped better with the idiots at the old job - but - and I think this is worth considering - if you had coped better with them you could still be there. So every day you would have an awful commute, would be coping with idiots and an awful commute back. Instead, you have a very short drive, love the people you work with and enjoy the job. Those are huge wins you would have missed if medication had helped you "cope" with idiots. Serious reframe required here KK - said with much love - but please reframe
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!6 -
Yes, all of this is correct and you are right.Watty1 said:Just catching up, yes you might have coped better with the idiots at the old job - but - and I think this is worth considering - if you had coped better with them you could still be there. So every day you would have an awful commute, would be coping with idiots and an awful commute back. Instead, you have a very short drive, love the people you work with and enjoy the job. Those are huge wins you would have missed if medication had helped you "cope" with idiots. Serious reframe required here KK - said with much love - but please reframe I appreciate your input.
But ... I think I need some time for processing this, as the way they 'offloaded me' from my old job was just awful, causing me significant emotional / psychological damage that I am still recovering from and the drop in salary and especially the matched pension contributions has significantly affected my ability to OP and finish working earlier than SPA ... It makes me feel very trapped at times.
I will process this and I will reframe honest! I need to 'digest it' a bit more first. I suspect it doesn't help that the medical profession have let me down, shrugged me off before (one of the reasons I don't have children) and it's stirring up some of that misery as well.
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.8 -
The granny square looks really pretty - well done.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living2 -
Glad you got the dosage changed & really hope it helps.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.3 -
Thanks Beanie 😊beanielou said:Glad you got the dosage changed & really hope it helps.
Thank you 🙏 😊 I’m hoping to do do quite a few more this weekend … 😉Fortune_Smiles said:The granny square looks really pretty - well done.
Fortune x
It’s turned quite chilly here - closed the window in the ceiling of the conservatory for the first time in about three months this evening! I also turned on the electric circuit on the dual fuel radiator in the bathroom. I’m hoping with it being cooler, I will be a bit more functional this weekend and have been collating a ridiculously ambitious list of things to do! 😉😂 There will be reading and crocheting mixed in there too … 😊
Minor MSE thing: furtled about in the kitchen freezer and pulled out a part baked roll for lunch tomorrow and hard boiled three eggs for our lunches (means I won’t be buying HB eggs tomorrow - yes, I occasionally do that when I am horribly pressed for time). Gave the cress box a good watering so it will be fresh and crisp tomorrow for my eggy sandwich 😊
Finished another novel - a very engaging and absorbing one about witches and their wild rebellion… loved it 😉🤩
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.7 -
What was the witchy novel? I've a witchy friend I need to get a present for at some point.
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅2 -
This one:Brie said:What was the witchy novel? I've a witchy friend I need to get a present for at some point.
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 -
Oo I like the look of that! Will go see if I can afford it 😆.Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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I found it in the library, maybe try there first?debtfreewannabe321 said:Oo I like the look of that! Will go see if I can afford it 😆.
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.3 -
Satisfying half day in work - got my new starter up to speed on all the H&S that needs doing - he’s gonna be busy! 😉😊
I may, accidentally on purpose, have wandered through the new local wool shop in my way home to pick some more cheap acrylic DK yarn in yellow, orange and purple for granny squares this weekend … 😉 I may also have shown the proprietress a picture of my first proper granny square - she was very encouraging! 😂😊
Then I became sensible again:
- Two loads of my washing all done and line dried. Just need to put it away.- Followed up with Ph0x water what the issue is with my subscription payment (I had an email from them) - according to them there isn’t an issue, but the email looks to have come from them …? 🤔 Maybe they’ve been hacked? I didn’t click on the link in the email (went straight to the chat function in their website), so hopefully I should be okay.- Did a long outstanding OAT: Completely stripped and deep cleaned the windowsill and internal window behind the sink in the kitchen, collecting seeds from heads I’d been drying there, wrestling MANY cobwebs and giving the radio that lives there a good scrub!
- Put some peas to soak for sprouted peas 😊
- Made some burger relish for dinner tonight with HG shallots 😊👏
- Reattached the ends of the curtains on the small window in my bedroom (that’s another job that’s been outstanding for a very long time!).
- Removed and recycled dead magazines from my bedroom
- Cleaned the window and the big mirror in my bedroom
Not bad going for an afternoon 😊
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.7
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