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Mortgage free in Forever Home :-)
Comments
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Sometimes we just have to do these things. It's for their safety as well as those around him. Sorry it has effected you though. Enjoy the quiet evening!2
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Thanks @Cheery_Daff and @debtfreewannabe321 😊
Had a more productive and positive day today, so hopefully, with being short of sleep as well, I will sleep like a tree tonight! 😉
Did an MSE thing for my quality engineer today. He happened to mention that he wants some houseplants (where he was living before was so dark all his plants died) so I potted up a baby spider plant that Mr KK had accidentally broken off and has been quietly rooting in a water pot for the last wee while and also cut some ends off a purple, variegated, dingly-dangly plant I have and wrapped those in wet tissue. My QE was delighted 😊
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 62 books of target 52 in 2025, as @ 4th November
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 -
Ah that's lovely, plant cuttings are little ways of spreading joy 😊
Well done for going into uber-professional mode, it was needed and you did it.
As the young people say, 'f*ck around, get found out'.
I'm sure your friend will cope if you tell them things have been super busy but you are on it, just not for this weekend2 -
Thanks @PennysIntoPounds, I will be able to give her one, maybe two of the squares she asked for and a promissory note for the third! 😂😉
I have had THE most indulgent evening in a VERY long time …
Bung in the oven lasagne, with green beans (Mr KK moans) and a whole garlic flatbread to myself with extra Parmesan and salt, followed by three back to back episodes of R1ot Women on iPlayer.Absolutely flicking brilliant.Great writing, acting, cast, sound track, grounded setting, and gathering up of all the rage and energy of being the wrong side of 50 and not giving the f***s we used to! Glorious …
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 62 books of target 52 in 2025, as @ 4th November
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 -
I must give that a watch! I am with Mr Kk on the green beans but otherwise the meal sounds delicious!Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
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)1 -
oooh i keep seeing that advertised and need to watch it.
I think sometimes you just have to do these things and I'm sure that your colleague knows that, or if they don't they need to learn it.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 20251 -
R1ot Women is just suberb. I binged it yesterday.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.1 -
I used to hate having those carpy conversations with people when I was a team lead. It's why I swore I wouldn't do it ever again but fell in to it with my last role. That was a world of difference though as the team were are retirees working as volunteers (debt advisors at a food bank) and so there's a completely different mind set than when working with ambitious 20 somethings.
In reality I didn't mind the chats with accounting clerks about how filing a report that was full of spelling mistakes would make people concerned about the accuracy of their numbers as well. What I hated were the personality things.
Possibly the worst was having to talk to an arrogant young man from a different cultural background about how he was conducting himself around a young woman from the same culture that had joined our team. Now he was perfectly polite to her in every way, almost quite formal but he'd decided she might make a nice bride and was persistent in his pursuit. Word had got back to my via another woman on the team that this was never going to work out but he wasn't taking no for an answer.
When I talked to him he was quite firm in his belief that she was simply playing hard to get and just needed to be convinced that "yes" was the right answer. In the end I had to ask if he knew she was actually a lesbian and he laughed that off as being a western concept that didn't exist in their country of origin. Ultimately I told him that if I heard anything further about this being an issue I would need to report it to HR - that's the only thing that made him stop, the thought of getting into trouble and his job being at risk as a result.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅3 -
Ugh … that was horrendous @Brie …
My week then evolved to requiring me having to explain UK expectations of personal hygiene and body odour to someone who’s only been in the UK for two months … He had pretty good English (which helped) but it was still a challenging conversation to have. Poor bloke has a statistics degree but can’t get any kind of office job in the UK so has ended up in our factory as a temp, just trying to get by whilst his wife is doing a computer science degree in the local university. Fortunately, one of the other temps who has just become a permanent employee, is a friend of his and I think they are sharing lifts so he’s not quite as isolated as he might have been … It must be so hard to come to this country and navigate all of what you have to do in a second (or maybe third?) language, with lots of strangers in a completely different culture. I think that takes real cojones … Anyway, whenever I do my walk around every morning we say hello and smile every day and in the conversation I learned how to pronounce his name correctly (I got a garbled version from his team leader initially) so I make sure I use it every time 😊
I’ve had a really good day today. Made significant progress on a Frog task that has been lurking at me ever since I started there and I came to realise that I have the management team supporting me on it too 😊 That makes SUCH a difference 🤩
I have been using the burst of uplifted energy to get stuck into the crochet squares again and am making some progress …. There may yet be hope of achieving three by Saturday …!! 🤞😊
Ooooh! And I have just checked our mortgage balance … we have dropped below another £10K milestone, we are now at £229,702 Still a very long way to go but that’s another chunk done! 😊
KK
As 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 62 books of target 52 in 2025, as @ 4th November
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.11 -
Well done on the new mortgage balance.
love 🐞
Grow your own: £14.663
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