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Mortgage free in Forever Home :-)
Comments
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Miss C is certainly growing.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Oh my, there must have been something in the air yesterday for the working world, that sounds exhausting!
I am in two minds about correcting an incorrect view of a former employee. While I'd have no issues pointing out and correcting errors or problems left, an overly rosy view of a former employee can indicate a) they were good at malecowplopping or b) that their manager (who may also sometimes be one of your managers) lacked knowledge or awareness of what former employee was meant to be doing. So you could end up accidentally pointing out said managers are duff.
I may be overthinking it, am definitely a public sector worker
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Sounds like you are creating organisation from concealed chaos !It never fails to surprise me how people’s brains work in different ways to (to me ) logic ways !DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
I think calling it someone’s brain ‘working’ is being generous! I think they had abdicated the activity and that is why they were ‘encouraged’ to think about leaving the role, which is what opened it up for me …LadyWithAPlan said:Sounds like you are creating organisation from concealed chaos !It never fails to surprise me how people’s brains work in different ways to (to me ) logic ways !
The good news is that my quality engineer has moved into my office with me now. We’re getting to know each other a bit better and we both agree on the previous incumbent’s level of ‘thoroughness’ … 😉 (I was looking at his previous audits today - just dreadful, so sloppy!) It’s very nice to have someone else around, who ‘gets it’! 😊
Second BIG leak completely excavated and repaired, photos taken and summary feedback sent off to water company. The builders made a start on the reinstating this afternoon after I left, so hopefully it won’t look too bad by the time my boss gets back on Monday … 🤞 What was lovely was they both said they’d really enjoyed working at our site this week - they were both taking the mick out of me (in an appropriate way) by today. I think I come across as quite proper, a bit posh and formal initially, but as people get to know me they relax and feel more at ease. It just reinforces my perception that the culture of the site is a really positive and constructive one, if it can absorb ‘strangers’ like that so easily 😊
Popped into the library after work to change my books. Got chatting, like you do, to the librarian and we both, wryly, agreed that we could do nothing right for our fathers …! (I have no idea how I end up having these deep, instantaneous, but brief connections with random people 🤷♀️😊😉)
Mr KK was cutting and laying slabs when I got back so after lunch I focused on renewing our house insurance. Renewal quote came in at £493 😳 After threatening to cancel it was discounted to £419. Shopping around got me similar cover for £297 😊 That saving will help offset the yet more sand and cement we still need for the paths …! 😂🤷♀️😉
Once I’d finished battling with the insurance I got out in the garden. I hover-mowed all my bed edges and cleared a bed completely of weeds - I wasn’t subtle, got right in there with a fork and replanted anything that looked worth keeping after extracting them from within the roots of things I wanted gone. Mr KK was riding around cutting down the meadow fiercely. If the weather is just damp tomorrow I want to get out there and strip sow wildflower seed for next year … 🤞Two loads of my washing almost dry - just finishing off on the heated airer. 👏😊 Emptied both kitchen bins as the recycling one was almost climbing out of itself! 😂Signed up to sainsbugs’ delivery pass for six months so we can get the preferential Christmas delivery slots 😉
A very good day and satisfying end to the week 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.8 -
Have a happy weekend.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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 -
You are smashing it and no mistaking!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 60
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63 -
Thanks @PennysIntoPounds 😊 Just so relieved to have sorted the leaks.Morning all 😊Hopefully selling some half round red bricks via FBMP this morning (if the buyer turns up), going to a 70th birthday event this afternoon in the chapel field marquee.In the garden today, furtling about in the ‘meadow’ sowing seed from Mr KK’s boss’s Meadow to encourage more wildflowers next year 😊
I have also booked two cinema tickets for Downt0n for the last night at the flicks here - that’s the day of the 9001 assessment so it will either be a celebration or a commiseration event! 😉
Right, the forecast is set to be wet quite soon, so I’d better get on! 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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 -
It’s been a strange day …
Got to 8.40am and had a call from sainsbugs that their delivery van had broken down. They still wanted to deliver but later on today. Some hours later, after no further comms I received a cancellation text! 😳 Rang them and was advised that my order was stil llive, the van had been recovered and was being taken back to store. Offered to go and collect my order - my offer was accepted (with an online voucher of £10 as an apology) and I got changed out my gardening scruffs and set off. Got to the store, some 40 minutes drive away and they didn’t know I was coming and the broken down van had not yet been recovered. I explained that I had been told that I could come to store and there were blank looks all round … They apologised for the confusion and gave me a further £10 cash compensation! 🤷♀️ In the meantime I’m still trying to find out where my shop is, could it be delivered tomorrow etc. … 😢 By a massive stroke of luck the van arrived in the recovery truck whilst I was there and the staff pulled off my order before it was unloaded from the recovery truck, which I really appreciated. Headed home back through the roadworks and Saturday traffic I’d battled through to get there and we finally had lunch at 2pm. That’s two hours of my life I’ll not get back but at least we have food in the house again and we don’t have to think about it tomorrow.At 2.30pm we headed down to the chapel field to the 70th birthday event. Unfortunately it was very noisy so Mr KK was struggling and then the not-very-good-band, that we have to listen to when they are practicing in the chapel every Tuesday fortnight, was on and they were VERY loud. Mr KK baled and left me there on my own. I stayed for a couple of hours and left after the cutting of the birthday cake. It was okay, but my ears are ringing a bit now so I know I am likely to have sustained physical damage to my hearing as result. 🙄
I did try to get the ‘meadow’ sown with wildflower seed, but after an hour and a half of scraping out shallow divots to sow into in the moss (how, after such a dry summer?! 🤷♀️) this morning, it both started to rain quite a lot and the cancellation text arrived, so I had to get going. 10 minutes down the road it was dry! 🙄Chloe is fed up because the aggressive cats next door are back after a lovely peaceful week and the one came straight round to our patio door cat flap to beat her up this evening - Mr KK saw it off. Hero Cat Dad. ❤️
It did manage to order some more food for Chloe (with CB) and made myself a wicked cheese on toast with cheddar, double Gloucester, shallot, Henderson’ relish, thinly sliced tomato and Parmesan in the air fryer. (I couldn’t face a proper ‘meal’ after all the buffet stuff and cake at the birthday event.)
Mr KK had a nice afternoon - renewed his bike tax and then fell asleep on the sofa next to a snoozing Chloe 😉❤️
Kinda glad today is done tbh … 😉
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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 -
Get Chloe a dog... mine now yowl as the aggressors (also next door) follow them over the fence, and the dog goes racing out. The cats don't bother coming in anymore, they just sit and watch the dog aimlessly racing round the garden while the invaders scarper!
We do have a microchip cat flap, so I know that no one can follow them into the house, and I'm pretty sure they know that. I'm considering getting another one in case the mean cats try to prevent them coming in.3
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