We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortgage free in Forever Home :-)

1676677678679680682»

Comments

  • greenbee
    greenbee Posts: 18,101 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I draw my face on too - particularly for video or public speaking work. Thankfully I don't do that much of it anymore!
  • KajiKita
    KajiKita Posts: 8,392 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I met my friend for lunch at a kind of crafty collective place. It’s a very random collection of shops but the cafe was excellent (had a kind of pie thing I’m looking to replicate - as per below) and I started some CMas shopping 😊

    Ran out into the garden again as soon as I got home and finished off planting some winter veg - I suspect the timing is off, but now harm in trying … 😉😊
    There is one, lone lettuce at the front of the bed that there wasn’t room for in the greenhouse 🤷‍♀️😂
    Cut fresh flowers for the house again 😊❤️

    Mr KK has come home and yes, that was the new V5!! 🎊🥳🎉 (Thank goodness, as he was starting to get quite stressy and grumpy about it … 🙄😂). 

    I’m still working on improving my diet and as I prefer working from a hard copy recipe format (I find it easier, plus you can annotate them with comments additions and corrections) I have been quietly buying vegetarian cookery books over the last wee while. The latest one arrived this morning, a slow cooker veggie and vegan one, and I found this in there:



    This is remarkably similar to what we had for lunch today, with a mash topping instead of pastry. It was really good 😊 I think I will make this base as it is here (I.e. with blitzed cashews and nutritional yeast as that extends the nutritional content), but with a cheesy mash topping. The base I will be able to freeze in single portions and it won’t take much to pull together some cheesy mash topping to finish it with each time I want to eat it 😊

    As part of this whole exercise I want to go through my recipe books and hoick out, and hopefully sell(!) the vegan ones I don’t want to keep. Some I will as they have food recipes in that I enjoy but some are surprisingly UPF heavy, or ludicrously complicated (such as the dirty vegan books). I’m hoping to get into that tomorrow as Mr KK will be out all day at the sale (hopefully selling lots of fausty junk … ahem … militaria! 😉😂) so I will be able to spread out and see what I’m doing. 

    Hit 10K steps today and achieved a goal (got the veg plants in before the rain sweeps in) - happy with that 😊

    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 59books of target 52 in 2025, as @ 18th 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. 
  • Humdinger1
    Humdinger1 Posts: 2,416 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Gorgeous flowers @KajiKita! I dread the approach of autumn but love it when it's here, provided I embrace the food, colours, clothes etc.  The end of summer is melancholy but spring is more beautiful every year.  Onwards and upwards love Humdinger xx 
  • KajiKita
    KajiKita Posts: 8,392 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Gorgeous flowers @KajiKita! I dread the approach of autumn but love it when it's here, provided I embrace the food, colours, clothes etc.  The end of summer is melancholy but spring is more beautiful every year.  Onwards and upwards love Humdinger xx 
    Thank you ☺️ Spring is definitely my season too 😊, but tbh, after such a hot summer this year (so many days of 30 degrees here) I was actually quite relieved to get to a weather state that I could actually function in again … 😊

    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 59books of target 52 in 2025, as @ 18th 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. 
  • ladybird1106
    ladybird1106 Posts: 860 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    As long as the ground is above 5degrees you should be fine putting your winter veggies in.  
    Love 🐞

    Grow your own: £14.66
  • KajiKita
    KajiKita Posts: 8,392 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    As long as the ground is above 5degrees you should be fine putting your winter veggies in.  
    Love 🐞
    Oh fab, it’s double digits in the daytime here and we haven’t had a frost yet, so they should be okay 😊

    I’ve just had a little win … Popped onto sainsbugs to book next week’s slot and noticed that they have Christmas delivery slots open (I signed up to their delivery saver thing so we get preferential slots). We’ve booked one for the 24th - Mr KK is VERY impressed 😊🤩

    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 59books of target 52 in 2025, as @ 18th 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. 
  • skint_spice
    skint_spice Posts: 13,545 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the flowers, such beautiful colours.
    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)
  • beanielou
    beanielou Posts: 96,636 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Love the flowers. 
    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.
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,552 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I prefer a summer - but a normal summer, not the baking idiocy we had this year. Sadly I suspect these are going to be the norm. The lack of light in autumn always remains a real problem for me.
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.