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Mortgage free in Forever Home :-)
Comments
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Well today is going to be a day of contrasts …
Much heavy work in the garden this morning, clearing a huge box plant and relocating a dark hardy geranium and a big fuchsia, along with collating all the red brick half rounds we have no use for and getting them on FBMP - do you think I could swing a £1 a piece for those? 🤔
Then, this afternoon, when it is forecast to be wet, we are going clothes shopping for Mr KK as everything is either a little ‘snug’ or a little frayed and he literally doesn’t have anything to wear and be respectable in for the visit to my parents next weekend … ! (He actually agreed with me when I carefully and gently broached the subject in the week …!) 😉😂 We both hate shopping so we are going to a local outlet type place and hoping we can get it done all in one hit. He needs a pair of trousers, a jacket and two shirts. Wish us luck! 😳😂
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.9 -
And today’s winner of Abbreviation Bingo is Ed! 😊👏edinburgher said:QMS = quality management system?
Yup. I do QHSE, the full shebang in a small manufacturing company.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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.4 -
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.3 -
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 goal - £717.77/1500
Weight loss goal 1 - 0/7 lb
Mortgage OP goal 2026 - £4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest4 -
@edinburgher, it’s becomes very theoretical when a company crashes for financial reasons. Been there <rueful grin> …
@debtfreewannabe321, I used to buy Mr KK clothes but he doesn’t take care of them and tbh I have no idea what size he would be now … 🤷♀️
We have been hard at it since 7.30am and the box and fuchsia bushes are out! The fuchsia needed a long plank and two of us digging underneath and levering to get it out! Mr KK wants to replant it but it has a huge rootball and the hole we’d have to dig, I’m not sure it’s worth the effort …
Before:
After:
Glad that’s done! And that we have a tip run booked for tomorrow.
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Good graft, well done 👍🏻4
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Shopping done. Mr KK has a pale fawn jacket, navy blue trousers and two shirts for £166 and new shoes, insoles and spray protector for £82. I picked up a new top and soft and cuddly cardigan for winter from Roman and now we are home collapsed on the sofa with a cuppa and cake!It’s actually properly raining now, for the first time in months ❤️
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
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: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
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"
Mortgage 30Jan'26 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga2 -
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.4
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