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Mortgage free in Forever Home :-)
Comments
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As at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2026 as @ 2nd August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.0 -
🤣🤣 at the kitty curls video. Now all I can imagine is Mr KK with a mustache bicep curling kitty's.Emergency Fund goal - £1000/1300
Mortgage OP goal 2026 - £1200/£4500
-Smaller goal £0/800
Read 24 books this year 22/241 -
KajiKita - the firm would be mad not to have you signed up! I'm glad things are going better - H&S spreadsheets aside 🫤
Your DH's model looks spiffy. It minded me of something I saw on TV the other night (probably a repeat), it was Henry Cole's programme......'Shed & Buried' 🤔 And actually, it must have been an old episode, as the lovely Sam Lovegrove was on it, with his gorgeous hand-knitted headwear 🥰 Anyhoo..... they went to the midlands motorcycle museum, which from memory is.... Meridian? Warwickshire? And the accompanying shots inside the museum focussed on a whole raft of military despatch type bikes. I'm sure the answer to this is yes, but has MrKK visited this museum? It's amazing where military paraphenalia crops up, as I'm pretty sure there are some bikes from WWII (and possibly WWI??) in the Sammy Miller museum down in Hampshire too.
I realise there's a strong possibility MrKK has done all those places anyway.
Also, I'm a strong supporter for you making a calendar up for MrKK for Christmas, using his vehicle pictures 😁
Greying XGC August 2026 £12.52/£232.50
GC July 2026 £237.82/£232.50
GC June 2026 £225.39/£225
GC May 2026 £225.53/£200
Non-food spend August 2026 £0/£80
Bulk Fund 2026 Month 8/12 - £0/£25.56 (reducing balance - start £120 pa)
""Mother Nature don't draw straight lines
The broken moulds in a grand design
We look a mess but we're doing fine
We're card carrying lifelong members
Of the union of different kinds..."
"Union of the Different kinds" - R Christie & T Gilbert, Fisherman's Friends1 -
From your description I'm beginning to think you have the same automated expense system as we do - complete nightmare to figure out how to put a vehicle in the system, and by the time you have to do it again, you've completely forgotten how!
Congratulations on early probation sign off! Another vote here for letting this help heal your previous 2 experiences.1 -
My usual shortage of explanation. Meaning he could well be used to someone being aggressive etc & you just stated your case. Much easier for him to just have to deal with a problem than to have to deal with the raiser of the issue too. I'm not sure I've made that much better now.2
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KajiKita said:
The other significant thing that happened today was that my boss signed off my probation period, 3 weeks early so I am now on a permanent contract 😊
KK
Fantastic news KK. You've obviously made a very good impression since you've been there
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@debtfreewannabe321 😂😂😂😉
@Greying_Pilgrim, yes Mr KK has done those museums … 😊 But thank you for thinking of him. I’m working on the calendar … 😉
Thanks @Viking_mfw 😊 I suspect it’s not the *exact* same expenses system, but boy do they have much in common wherever you work … 🙄😉
@badmemory, Tbf my boss has been dealing with this person for some time now … They don’t fit with the new culture or ethos (positive, supportive, JFDI) that my boss has built since he joined and the project I suggested is that individual’s last chance to add value I think …
Thanks @Brewerspride 😊
I deliberately came straight home today but due to the mis weather and being tired after a hectic week (I think) I have been eating ALL the junk! 🙄😂
I have managed to pay the builders merchant bill (really hope we are getting to the end of these now) and the credit card monthly bill. Done all my financials and set up a new YNAB tab for October in my spreadsheet. I have added a budget line for visiting my parents annually including accommodation, fuel, food, presents etc etc. of £770 / £64 pcm, which seems like quite a bit, but is probably realistic.My savings are static atm, which is okay I guess when I’m still paying off building material bills but I really want to build savings and make more OPs between now and the end of the year.Coloured in 5 more blocks of my house and, if my calculations are right, I am within £13 of hitting my OP target of £4,900 in 2025 😊🤩KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2026 as @ 2nd August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
Great OP’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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.3 -
Mr KK came home today after visiting his mum and extending the Christmas lunch invite to her and her best mate. Apparently her eyes lit up and she said something along the lines of ’That will give me an excuse not to go to …. (Mr KK’s sister’s house)’.Looks like I will hosting Christmas lunch this year …. Sigh … At least it’s made Mr KK’s happy …
I am a VERY good wife!
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2026 as @ 2nd August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
As at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2026 as @ 2nd August.
Produce tracker: £192 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2
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