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Mortgage free in Forever Home :-)
Comments
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I also love the flowers.
Am a summer person, mainly because I am always very cold and sadly felt I missed much of the summer so am working out how to embrace this season now (which will involve more layers!)Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
Thanks @skint_spice, @beanielou, @Watty1 😊 💐
Yes, the drop in the light brings a lot of people down @Merlin's_Beard and I think our immune systems decline with it too 🤷♀️
I’m now seeing you swooshing about in stylish hats and elegantly draped shawls @Watty1 😊
Woke feeling bunged up and very tired this morning. Weather has been wet (lightly this morning, heavily since lunchtime) all day …
I have however managed to:
- prep for the PC eating tomorrow. It’s gonna be a looong one … sigh … The only good thing is that Chair has an audition afterwards so we have to be done by 8.30pm at the latest 😉
- tried to make sense of the income and expenditure sheet prepared by the clerk versus the PC bank account and I can’t. Not sure if it’s a timing thing (transactions in process) or me not understanding (but I run my budget and I did do a small dose of double entry bookkeeping eons ago when I did a HNC in Bus studies and finance … 🤷♀️🤔) or whether the clerk is fundamentally incapable of explaining the financial transactions we have? Even the numbers she shared for the bank reconciliation don’t add up! 🙄😳 …. Double sigh … Detailed feedback sent to Clerk and suggestions on how to make it all clearer (which she will ignore as usual), cc’ing Chair, which led to an email chain back and forth between myself and Chair on how to tackle this …
- Done our financial updates - I had no issues there 😉. Started the Christmas present tracker for this year as I am starting to store away things for people 😊 Had a look at the data for actual OPs this year versus what I forecast - I’m significantly down on surveys and cashback and the Wayleave payment got used for topping up the house EF instead of an OP, but I am making up the gap with the extra monthly OP I have set up. I am starting to think about next year’s forecast for OPs …
- Finished drying and folding all the washing so the conservatory is completely clear from Mr KK coming back from the sale.
- Extracted all the unwanted vegan cookbooks from the bookcase in the living room along with various other things, which made space for my new vegetarian cookbooks to go on the bookcase and off the floor 😊👏 I have 27 books ready to possibly sell - would be lovely if I could get a half decent amount back for them … 🤞
- Braved the rain just now to empty the veg peeling bucket, open the gates for Mr KK and move some of the cleared magazines to the recycling bin. Came back in with properly wet legs … 🙄😂
Time for a brew ☕️ 😊
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.5 -
KajiKita said:
I have however managed to:
- prep for the PC eating tomorrow. It’s gonna be a looong one … sigh … The only good thing is that Chair has an audition afterwards so we have to be done by 8.30pm at the latest 😉
KK@KajiKita I know you no longer like being on the PC, but planning to munch them is a bit harsh I fear
PS Love the pic of the cut flowers.3 -
Hahaha … very good! Freudian slip methinks! 😂😂😂😉Brewerspride said:KajiKita said:
I have however managed to:
- prep for the PC eating tomorrow. It’s gonna be a looong one … sigh … The only good thing is that Chair has an audition afterwards so we have to be done by 8.30pm at the latest 😉
KK@KajiKita I know you no longer like being on the PC, but planning to munch them is a bit harsh I fear
PS Love the pic of the cut flowers.
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.4 -
Yes, a novel yet satisfying solution to more problems than you'd think: ladies and gentlemen, I give you cannibalism!4
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Mr KK really appreciates that one!! 😂😂😂👏Humdinger1 said:Yes, a novel yet satisfying solution to more problems than you'd think: ladies and gentlemen, I give you cannibalism!
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.4 -
Ugh that sounds exhausting in every way, well done. Hope it does well. Maybe ask annoying member of the public man if he wants to join before you retire? 😇
Hope you can get a decent price for the books. The second hand selling marketplace is not great for giving the price things deserve, but if you're in no rush and do good listings then 🤞
If you get annoyed with it all, then scan them on WoB, they don't pay much but they don't require listings and dealing with lost packages or unhinged people!4 -
Sounds like a copy of Jonathan Swift’s “A Modest Proposal” is in order…KajiKita said:
Mr KK really appreciates that one!! 😂😂😂👏Humdinger1 said:Yes, a novel yet satisfying solution to more problems than you'd think: ladies and gentlemen, I give you cannibalism!
KK6 -
Nice ideagreenbee said:
Sounds like a copy of Jonathan Swift’s “A Modest Proposal” is in order…KajiKita said:
Mr KK really appreciates that one!! 😂😂😂👏Humdinger1 said:Yes, a novel yet satisfying solution to more problems than you'd think: ladies and gentlemen, I give you cannibalism!
KK
I didn't post last night as I didn't get home until 9pm from the PC meeting and still needed a shower before crashing into ZZZZs ...
It was still grim, boring, turgid, dreary, low-level-drama-ing ... And, as ever at this time of year, I got chilled ...
The one bright spot was how the Chair 'reiterated' the rules for public input as she opened the meeting (5 minutes, at the start of the meeting, in the open Forum part of the agenda, at the Chair's discretion, no debate, no responses from the PC, comments will be minuted - we've never had to state them before in my time on the PC, so we've had to write some up!) - the regular member of the public who turned up bang on time, made his points, we listened and the moved on. He then put his hand up (absolutely straight up, like a 4 year old) as we were discussing something later on and we carried on around him. It actually really helped as it didn't interrupt the flow of our discussion as his interventions have in the past, but I suspect we will pay for it in some way at the next meeting in December ...
I have a risk register to write, have managed to delegate the horrible unpicking of the finances to the other PC who's on the finance sub-committee who is able to meet the Clerk during the day time and have told the Chair that I will email everyone on 1st January to tell them that my resignation is complete, so I don't keep getting emails and the Chair doesn't have to deal with the 'drama' of me not being present at the next meeting in February ...
Getting so VERY tired of this ...
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.8 -
One more meeting to go 🥳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
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