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Mortgage free in Forever Home :-)

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Comments

  • PennysIntoPounds
    PennysIntoPounds Posts: 4,856 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Congrats on the now permanent role!
    Great budget and payments work too.
    You are definitely racking up the wife points 😁
    Hope you have a cosy evening enjoying comfort food
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 56

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • KajiKita
    KajiKita Posts: 8,364 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Congrats on the now permanent role!
    Great budget and payments work too.
    You are definitely racking up the wife points 😁
    Hope you have a cosy evening enjoying comfort food
    We’ve literally just had HM apple crumble (supplied by MiL using our apples) and very posh custard 😊

    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. 
  • beanielou
    beanielou Posts: 96,605 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are a good wife.  Lot's of brownie points for you.
    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: 8,364 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    You are a good wife.  Lot's of brownie points for you.
    Thanks Beanie 😊

    greenbee said:
    Or you could just announce that you're going away for Christmas on a vegan yoga retreat and leave them to it ;)
    😂😂😂😂😂😂 Get thee from me, thou temptress! 😂😂

    I slept so well last night 😊 Set my alarm for an extra 30 minutes and slept all the way up to it 😊 Chloe was like a champagne cork to get out of the house once I finally got downstairs and opened the door for her 😉❤️

    My friend has cancelled lunch today as she’s not feeling well 😢 so my plans for my day have been upended. It’s dry weather here so I’m hoping to do something in the garden. Not sure what yet, but there’s plenty of choice! 😉😂

    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. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,547 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I'm glad you've got a role where you're appreciated! It's amazing how much difference that can make.

    Well done on the OPs.
    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
  • KajiKita
    KajiKita Posts: 8,364 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @merlinsbeard 😊

    Made some progress today:
    - Finally stripped the cover off my summer duvet. That went in the wash this morning and the duvet itself got bagged up and put away in the cupboard over the stairs, waiting for next spring 😊 Summer shoes, that were buried by said duvet on the flower of my bedroom will be next! 😊
    - Cleared the greenhouse of dead plants, harvesting what was left of the tomatoes and then stripped and disassembled the sweet pea structure. 
    - Cut back the pond plant that is obscuring my Judas tree, which is about to turn the most fabulous shade of gold and cut back / pulled out the bits of dead / going over hostas in that area too.
    - Dead headed flowering things 😊 Found that I spotted some perennial weeds as I did this, so they came out! 😉
    - Cut flowers for the house 🤩❤️
    - Dried two loads of washing on the whirlygig and managed to bring the second one in before a squally shower descended!
    - Finished another novel - good and righteous ending to a novel that reads like it is based on an ancient Eastern European / Russian folklore tale … 🤔
    - Emptied and relined both kitchen bins
    - Deloused and thoroughly scrubbed the feline food facility (i.e. Chloe’s tray 😉)

    Mr KK has been working on the retaining walls and upstands, and just for @beanielou here is a before and after of wall cappings:



    The facing that is seen as you walk around the house is stone and the ugly bricks you can see facing me will have the soil pulled up to them with wild flower turf over the top to meet the capping stones.  
    😊

    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. 
  • Brewerspride
    Brewerspride Posts: 179 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    KajiKita said:






    KK




    And there we have Mr KK doing some modelling! Nice poise.

  • skint_spice
    skint_spice Posts: 13,538 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The wall is looking great as are the lovely flowers.
    Mortgage OP 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Money making challenge £78/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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