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Mortgage free in Forever Home :-)

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Comments

  • Watty1
    Watty1 Posts: 6,948 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    A commission and a teaching exercise - wow!! You rock :)
    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 !!
  • KajiKita
    KajiKita Posts: 7,938 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Watty1 said:
    A commission and a teaching exercise - wow!! You rock :)
    I won't get paid for either ... ;) But that's okay. She's a pretty special person, it will be nice to do something nice for her, iyswim :)

    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 = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 46 books of target 52 in 2025, as @ 28th August
    Produce tracker: £353 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,495 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Love the sound of the commission too 🤩 well done! 
    Work sounds so different to your old one, your tone is a lot more relaxed with it which is so nice to 'hear'.
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • KajiKita
    KajiKita Posts: 7,938 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited Today at 7:32PM
    Love the sound of the commission too 🤩 well done! 
    Work sounds so different to your old one, your tone is a lot more relaxed with it which is so nice to 'hear'.
    You are very right about work 😊
    I finished another big chunk of QMS rewrite this morning (all about the context of the organisation - SWOT, stakeholder needs, process flow etc etc) and gave it to my boss to critique (always worth having a second pair of eyes on something like that, as you get additional perspectives and ideas) and he just signed off on it - he seemed pleased it was done. 😊 I’m very relieved it’s done as it’s a big chunk of what needs sorting before the next surveillance visit in late September and it was a good way to end a week 😊

    Feedback to @dawnybabes and @Cheery_Daff
    I tried to collect my increased levothyroxine prescription today but the local pharmacy didn’t have it. I then went on the NHS app and the 25mcg option had completely vanished …
    Rang the GP surgery to query all this and was told it had been raised but not issued and the GP pharmacist would give the GP a nudge. 
    10 minutes later my mobile rang and it was the GP. Looks like you were right Dawnybabes, and the LT prescription is meant to counteract the substance that the under active thyroid produces, so my prescription needed to go down not up based on my last test results! 😳🤷‍♀️ GP meant to ring me back after our last call and then forgot … I reduce my dosage again from tomorrow…
    At my next blood test I have to ask for a TSH and a T4 test. That way they will know if they are balancing out the antics of my wonky thyroid! 😂

    Bathroom and loo cleaned 👏🤩🎉🎊🥳
    Lounge dusted and because it’s getting easier, I then used the ‘oomph’ usually needed for the lounge to go on and dust in the snug and dining room a bit. My house is gradually getting cleaner, thanks to Friday afternoons 😊

    Two loads of washing done and almost dry on the line (we had a heavy shower in the midst) - now in the conservatory airing. 

    £5.50 cashed out of QM33 and OP’d along with another 46pm TT of the joint account 😊
    I think surveys are picking up just a little for me and I’m trying to do a minimum of three in the week and again across the weekend, just to keep them ticking over. 

    Booked a tip run for Sunday lunchtime. We will be taking out a huuuge box ball that’s in the way of the new path / got caterpillar damage tomorrow and there are various other things that need clearing out! 
    (There is a large hardy fuchsia in the way as well but we will relocate that one 😊)

    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 = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 46 books of target 52 in 2025, as @ 28th August
    Produce tracker: £353 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,495 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I'm trying to pick up the surveys again. They can be a real good earner if you try hard enough but they can also become so tedious that you just want to launch your computer out the window. I need to find a balance of doing a few and then leaving it 🤣.

    You sound like you've achieved a lot today 👏🏻
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • badmemory
    badmemory Posts: 9,775 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I'm not sure if I have said before.  If you you have one of those watches that give your resting heart rate then it can give you some idea of how your dodgy thyroid is behaving.  Obviously it depends on what is wrong with it but if mine is going more underactive then my resting heart rate goes down.  Not exactly accurate but gives me an idea if something is going pear shaped & needs watching.  Lets be honest we need every help we can get to keep at our best & my TFT is now almost 1.5 years overdue.
  • Cheery_Daff
    Cheery_Daff Posts: 17,291 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh, what a palaver with your medication! Glad you've actually spoken to someone now though. Fingers crossed this sorts you out! 
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