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Mortgage free in Forever Home :-)

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Comments

  • beanielou
    beanielou Posts: 96,211 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What a plavar with Sainsbury’s. 
    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.
  • KajiKita
    KajiKita Posts: 8,137 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    greenbee said:
    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. 
    But that mean us having a dog wouldn’t it …? 🤔 I do love hearing how your dog defends your cats - it is very sweet 😊❤️ but we just wouldn’t have the time to look after one 🤷‍♀️😊 I’m not sure Chloe would be that convinced either, certainly to start with! 😉😂
    We have a microchip cat flap too and I have seen the really aggressive one from next door come flying in immediately after Chloe, before the flap has had the time to re-set. Fortunately, I was sat on the sofa directly behind the flap and vigorously Embodied The Wrath of Khan in ‘encouraging’ said aggressor to depart again …!! 😡 

    beanielou said:
    What a plavar with Sainsbury’s. 
    Yup … Just glad it’s sorted now 😊

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,270 Interest saved £5,816 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,414 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What a palaver woth your shopping!! I'm glad you tracked it down eventually. Do spend that £20 on something nice!
  • KajiKita
    KajiKita Posts: 8,137 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    What a palaver woth your shopping!! I'm glad you tracked it down eventually. Do spend that £20 on something nice!
    That hadn’t even occurred to me! 😂 I was just going to put it all back into the groceries pot … 
    I think I will split it - the £10 cash I will spend on me, the £10 digital voucher can go back onto the shop. I have to use them again next week as I want to get rid of their totes which are currently cluttering up the conservatory! 😉

    Having a slow and lazy start here, but the forecast has significantly improved since earlier in the week and it is set to be dry all day today 😊 Determined to get the seed sowing in the meadow area done today 😊

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,270 Interest saved £5,816 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. 
  • skint_spice
    skint_spice Posts: 13,484 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yes, you definitely deserve a treat after going through that nonsense, Hope you have a less stressful Sunday!
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Good idea with the bonus £20! 
    We've got a cat who prowls around our garden like it owns it. It annoys me no end because it scares off all the birds and has gone for a few that were hopping about peacefully. So I open the door or window and hiss at it myself 🤣. DD and DP think I'm mental but it works, it runs away every time and won't come back for a few days. 
    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
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,525 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    We had a water pistol to see off an aggressive cat, that used to come looking to beat up our flooff.  It must have worked because we disposed of it a while ago.  Most are just curious, but this one was really determined, and its an effective but kind way.

    Just re-read that - it was the water pistol we disposed of.
    When we were kids my mum (who hates cats with a passion) used to use my brother's SuperSoaker on any that dared to enter our back garden. They all learned to scurry on over the back fence pretty sharp-ish!
    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
  • KajiKita
    KajiKita Posts: 8,137 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 21 September at 6:05PM
    Updated all my financial trackers. We are already overspent on the groceries budget (£32.71), not wholly sure why, but cat food has come this month (first time in a while - bulk online purchase) and the spends on eating out up north came from this budget as well. 

    I must do a freezer audit this week to see what we can eat next week to minimise next week’s shop. 

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,270 Interest saved £5,816 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. 
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