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Mortgage free in Forever Home :-)

1670671673675676680

Comments

  • KajiKita
    KajiKita Posts: 8,356 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @beanielou, and maybe @badmemory 😊

    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 = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 58 books of target 52 in 2025, as @ 12th October 
    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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,696 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    🤣🤣 at the kitty curls video. Now all I can imagine is Mr KK with a mustache bicep curling kitty's.
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200
    Total- £1783.67
    Goal pay off 1% of current mortgage in 1 year. £1650
    EF- £642.41/500
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,942 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 X
    Pounds for Panes £7,705/£10,000 - start date Dec 2023
     
    Grocery Spend October 2025 £113.98/£200 
    Non-food spend October 2025 £9.97/£50
    Bulk Fund October (month 10 of 12) £0/£35.20 
  • Viking_mfw
    Viking_mfw Posts: 742 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    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.
  • badmemory
    badmemory Posts: 10,025 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    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.
  • Brewerspride
    Brewerspride Posts: 179 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    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  :)
  • beanielou
    beanielou Posts: 96,602 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 8,356 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Great OP’s. 
    Thanks Beanie 😊

    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 = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 58 books of target 52 in 2025, as @ 12th October 
    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. 
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