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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 9,057 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 15.12.25:
    - 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. 
  • edinburgher
    edinburgher Posts: 14,271 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: 10,141 Forumite
    Part of the Furniture 10,000 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. 🤣🫢
    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#latest
  • edinburgher
    edinburgher Posts: 14,271 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Good graft, well done 👍🏻 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,634 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
  • SandyShores
    SandyShores Posts: 2,017 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    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/yoga 

  • badmemory
    badmemory Posts: 10,186 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    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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