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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 10,796 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Thanks @beanielou, and maybe @badmemory 😊

    KK
    As at 26.09.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £210,560
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 69 books of target 52 in 2026 as @ 26th September. 
    Produce tracker: £329 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. 
  • 🤣🤣 at the kitty curls video. Now all I can imagine is Mr KK with a mustache bicep curling kitty's.
    Emergency Fund - £1000 
    Baby cash emergency fund £210/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 24/24

  • 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
    GC September 2026 £197.04/£225
    GC August 2026 £218.02/£232.50
    GC July 2026 £237.82/£232.50
    GC June 2026 £225.39/£225
    Non-food spend September 2026 £71.01/£80
    Bulk Fund 2026 Month 9/12 - £0/£20.40 (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 Friends 

  • Viking_mfw
    Viking_mfw Posts: 791 Forumite
    Ninth 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: 10,685 Forumite
    Tenth 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.
  • 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: 101,238 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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 13 months left.
  • KajiKita
    KajiKita Posts: 10,796 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    beanielou said:
    Great OP’s. 
    Thanks Beanie 😊

    KK
    As at 26.09.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £210,560
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 69 books of target 52 in 2026 as @ 26th September. 
    Produce tracker: £329 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. 
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