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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 7,946 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 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. 
  • edinburgher
    edinburgher Posts: 13,943 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,499 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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
  • KajiKita
    KajiKita Posts: 7,946 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited Today at 10:30AM
    @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. 

    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. 
  • edinburgher
    edinburgher Posts: 13,943 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Good graft, well done 👍🏻 
  • KajiKita
    KajiKita Posts: 7,946 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 ❤️

    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. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,493 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    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 2025
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