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Mortgage free in Forever Home :-)
Comments
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beanielou said:Blooming cats. I fell over Miss S earlier. Blooming sore. Another week of hobbling around 🤬
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- 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.6 -
Tiring couple of days - I am battling a sinus infection which woke me with a corker of a headache at 4am this morning … Had an interesting session mapping waste streams today (yes, really! 😉😊).Picked up some European dumpy beers for Mr KK on the way home - I have kind-wife-points! 😉
Wayleave cheque arrived today - £88.08 (so it has gone up a little more this year). Had a brief discussion with Mr KK and we have agreed not to use it for an OP but use it to bolster our joint house account, as that is significantly depleted after all the materials for the paths.
Finally managed to log into the NatWest account for the parish council. Whilst also psyching myself up to tell the Chair after the finance subcommittee meeting tomorrow night that I want to resign and be finished by the end of the year. (I want to start with a cleaner slate in 2026.)
Got into a WhatsApp conversation with the wife of our new next door neighbours. They have two dogs and one of them is very anxious and so therefore noisy. We are probably going to go round there on Sunday afternoon to meet them (the dogs!) properly and make friends with them, so if they hear us when we are in the garden we can get them to chill. <adds dog treats and shortbread - for the humans - to the shopping list>
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- 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.5 -
Glad you're readying yourself to bring your parish council role to a close, no-one's obliged to do extra curricular activities that are bringing them unpleasant stress
That's a very civilised way of dealing with the new neighbours and their dogs, well done
Hope you have a good night's sleep knowing these things are in hand, and shift that infectionhttps://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/do9nSyy8u4nikx6r62 -
PennysIntoPounds said:Glad you're readying yourself to bring your parish council role to a close, no-one's obliged to do extra curricular activities that are bringing them unpleasant stress
That's a very civilised way of dealing with the new neighbours and their dogs, well done
Hope you have a good night's sleep knowing these things are in hand, and shift that infection
To be fair, the new neighbour reached out to me, but I’m glad she did as Mr KK got to the end of his rope with the previous residents dogs’ noise … I want to avoid or at least mitigate that this time …
Thank you. I can’t take anything for my sinuses before bed as it would keep me awake but I will take some pain killers 😊
Final task of the day - replied to my dad’s weekly ‘walking the fells’ email with pleasant comments, chit chat and a photo or two (all part of keeping my parents a bit more aware of my life).
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- 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.7 -
You're managing it all brilliantly @KajiKita! Wonderful balance. Love Humdinger xx3
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Sorry about the sinus infection they're so painful. I hope it eases soon for you.
We're battling with noisy dogs here too. One neighbour has up to 7 at any given time. She seems to take them in to look after them as well as having her own 4 or 5 so depends on the week but we've spotted all sorts in the garden. I'm scared of big dogs after my mum was viciously attacked by one when I was younger and DP had suggested we go meet them but I just can't bring myself to do it (too wussy and I feel they'll smell fear on me!) so instead I moan very loudly when they're in the garden at all hours bark bark barking ☹️. It's tiring. The one respite we got was she took her caravan and f-ked off for most of summer taking all the dogs with her. Peace 😌.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-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
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Thanks @Humdinger1 😊
Sympathies @debtfreewannabe321, I’m not sure I could stick that … The smell as well as the noise would be unbearable for me …
I have told the Chair of the PC that I intend to resign by the end of the year. I have two more meetings to attend, a risk register to write and a summary of the work of the finance subcommittee to write and I’m done! Phew …
The Chair completely understood and she wants to resign too …
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- 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.9 -
Well done on resigning, one less thing.Mortgage OP 2025 £7050/7000Mortgage 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)3 -
More time to be.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.3 -
skint_spice said:Well done on resigning, one less thing.beanielou said:More time to be.KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- 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.3
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