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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 10,873
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite
    QMS = quality management system?
    And today’s winner of Abbreviation Bingo is Ed! 😊👏
    Yup. I do QHSE, the full shebang in a small manufacturing company. 

    KK
    As at 26.09.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £210,560
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 73 books of target 52 in 2026 as @ 11th October. 
    Produce tracker: £329 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. 
  • edinburgher
    edinburgher Posts: 14,749
    Part of the Furniture 10,000 Posts Name Dropper
    Forumite
    I used to help keep a QMS updated in a past life :)

    It feels like a million years ago - we were so dedicated to this thing but the company was an absolute riot - we lost our only contract after 7 years and I moved on to greater things.
  • I recently bought DP a bundle of clothes on v1nted as he doesn't do shopping. I knew what he liked and just went and bought his favourite colours / brands (that way I knew it would fit). 

    I used to hear DP talk about QMS like he thought I knew what he was on about 🙃 so I'll not pretend to know here because I don't. It used to sound like a cruise ship to me. 🤣🫢
    Emergency Fund - £1000 
    Baby cash emergency fund £120/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Groceries October £ 158.27/500

  • edinburgher
    edinburgher Posts: 14,749
    Part of the Furniture 10,000 Posts Name Dropper
    Forumite
    Good graft, well done 👍🏻 
  • Some good work going on in that garden! Well done.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • SandyShores
    SandyShores Posts: 2,140
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite
    Wow, impressed you did real shopping, and it was a success!!

    Also impressed you uprooted that fuschia bush.  I bought one for 50p from somewhere like S@ainsbugs this year - it says 50 cm x 50 cm max size so I'm hoping I don't end up with that much root.
    "Think of many things, do one"
    DFW 2019: MFW aim 2031: bal Sep26 £159k / £310k 2020
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
  • badmemory
    badmemory Posts: 10,686
    Tenth Anniversary 10,000 Posts Name Dropper
    Forumite
    A fuschia bush only 50cm!!.  I have 3 & they are only about 50cm wide because they have no room to be wider.  They are over 30 years old but get cut right back every year.  Having been cut back to wood in march they are now at least 1m tall & some branches well over 2 metres long.  I used to have a fir that they said would only grow to a metre tall.  It did for 10 years when next door removed their hedge & within a year it was over 2 metres & I had to have it chopped down.
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