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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 15.08.25:
- 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.6 -
edinburgher said:QMS = quality management system?
Yup. I do QHSE, the full shebang in a small manufacturing company.KKAs 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.3 -
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.2 -
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. 🤣🫢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
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@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 15.08.25:
- 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.3 -
Good graft, well done 👍🏻3
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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 15.08.25:
- 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.1 -
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 20250
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