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Mortgage free in Forever Home :-)

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Comments

  • 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
  • KajiKita
    KajiKita Posts: 8,137 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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.
    Bulk meals are a little more challenging when you have an omni and a veggie in the house, neither of whom is willing to compromise and eat the other’s food … 😉 However we do both have our own batches in the freezer, he has various raw meat things and I have some qu0rn and C00k options skulling around that we can build meals around … 😊

    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. 

    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. 
  • 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
  • KajiKita
    KajiKita Posts: 8,137 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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. 
    I have one of these but … I already use it every day for my overnight oats that I have for breakfast in work 🤷‍♀️😉😊

    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. 
  • SandyShores
    SandyShores Posts: 1,994 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    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/yoga 

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,525 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    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 2025
  • dawnybabes
    dawnybabes Posts: 3,460 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    If you take it in frozen you can use works electric to reheat 🤣🤣
    Sealed pot challenge 822

    Jan - £176.66 :j
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