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Mortgage free in Forever Home :-)
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Just explained where we are to Mr KK and we have agreed that he will hold off making his coq au vin batch for another week and I will try making a batch of HM soup (probably a veggie, spud, lentil mix) for work lunches next week. We also need to stock check our respective freezers.It’s not that we can’t afford it, it’s more that there is no point me doing this tracking if we don’t react to it and I want to try to minimise the spend on food where we can, as it’s one of our biggest monthly expenses anyway. I have been reading through the beginning of my diary a bit over the last week and I was a lot more proactive then. I think the hell-job wore that out of me and I want to regain that focus and drive in my life, on my personal goals again.KKAs 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.6 -
I've also been cooking bulk meals to try and minimise spends next week. Soups and dinners. We can do this 💪🏻.
Well done on a productive day.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
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debtfreewannabe321 said:I've also been cooking bulk meals to try and minimise spends next week. Soups and dinners. We can do this 💪🏻.
Well done on a productive day.
We need to:
- List what we have
- Meal plan from what we have
- Shop to the gaps - mainly fresh foods like veg and fruit
- Try to minimise / rework the gaps by shopping from home - so Mr KK could eat the tin of sp@m in the cupboard instead of having fresh ham for one week and I could process carrots, red lentils, spuds and onions (all of which I have in now) for soup, for our work lunches. My one challenge will be to get my soup to work without it leaking everywhere - I find freezer containers are not capable of transporting soup to work. I might try a squat kilner jar. 🤔- Use my £10 sainsbugs voucher! Might as well … 🤷♀️😉😂
- Maybe cash in my nect@r points? Think there is c. £18 worth there.KKAs 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.2 -
I've got an old thermos flask that belongs to one of the kids that I use for work. It's a smaller one and perfect for soup sized portions.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
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debtfreewannabe321 said:I've got an old thermos flask that belongs to one of the kids that I use for work. It's a smaller one and perfect for soup sized portions.
KKAs 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.2 -
Just a thought, could you freeze a portion of your soup and take it in frozen? It might thaw out a bit on the way but not as dangerous as transporting it in liquid form. I've got some of the square plastic containers from L@keland which seem to be leakproof but would hate to drop it, and I've also got a soup mug/bowl type thing with the clips on the side but I wouldn't trust it in the car.
I've also got small kilner's for oats, really handy. I use the large ones for layered salads as I can bulk make them and they last for about 4 days as long as any liquid/tomatoes etc. go in first. Definitely soup weather now though."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga0 -
I absolutely empathise on letting the food budget slip when everything else is going haywire - it's one of the easiest things to just accidentally go over on.
If the cat's stuff is really sporadic would it be worth giving her her own budget so that it doesn't distort your food shop?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 20250 -
If you take it in frozen you can use works electric to reheat 🤣🤣Sealed pot challenge 822
Jan - £176.66 :j0
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