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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 8,107 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ran up and down the M5 again today, another day’s training. It was okay but not riveting, mainly to align us all to the ‘group-think’ of the parent Group … Still, it’s done now. 

    Got very frustrated before I left work to travel this morning - apparently the previous incumbent in my role was ‘a really good quality manager’ … well if they were, WHY do we have such a dreadfully poor understanding and culture around the control and care of measuring equipment? My poor quality engineer is blaming himself for the 3 out of 6 items I randomly checked on Monday being ‘out of control’ after two months of work to sort it (I coached him out of that and got him facing forwards again) and I am beyond infuriated by a colleague manager who should know better’s attitude … Grrr …

    I managed to get home at more or less the usual time 😊 and Mr KK was in the garden cutting slabs for the next section of path, so I cooked tea for us (it was meant to be his cooking night, but we swopped as the forecast for tomorrow is poor so he wanted to make the most of today). I cut rosemary from the garden and used it to roast up some limp baby spuds in the bottom of the fridge into something tasty to,
     go with Mr KK’s gammon  😊

    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 51 books of target 52 in 2025, as @ 17th September
    Produce tracker: £389 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. 
  • Ran up and down the M5 again today, another day’s training

    I read this SO literally. 😬👀 Had to re -read twice 🤣🤦🏻‍♀️.
    Sorry about the work issues hope they resolve themselves quickly.

    I've been using rosemary from the garden too. It tastes so much better than the dried one I had before 😀 
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • edinburgher
    edinburgher Posts: 13,998 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I also read that literally 😂 
  • KajiKita
    KajiKita Posts: 8,107 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ran up and down the M5 again today, another day’s training

    I read this SO literally. 😬👀 Had to re -read twice 🤣🤦🏻‍♀️.
    Sorry about the work issues hope they resolve themselves quickly.

    I've been using rosemary from the garden too. It tastes so much better than the dried one I had before 😀 
    I also read that literally 😂 
    I aim to entertain 😉😊

    I’ve been tracking the cost of the produce from my garden this year and I think herbs will be the biggest value category 😊

    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 51 books of target 52 in 2025, as @ 17th September
    Produce tracker: £389 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. 
  • Humdinger1
    Humdinger1 Posts: 2,344 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Are you planning to point out the discrepancies re the previous incumbent in your role @KajiKita?!  A reality check seems indicated.  As ever, you're doing brilliantly.   Love Humdinger xx 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,520 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Oh, the issue when X was wonderful but also you can see that they weren't!
    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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