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Mortgage free in Forever Home :-)

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Comments

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,565 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Surely the actual accident is a timely reminder of why the near misses happen.

    I'm the first to say that I'm not great at reporting near misses, nor do we have processes in place to deal with them (small business things!) but all of us have seen people get hurt and understand in theory why we should!
    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
  • Humdinger1
    Humdinger1 Posts: 2,487 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    KajiKita said:
    Surely the actual accident is a timely reminder of why the near misses happen.

    It certainly brought it home to me!

    … all of us have seen people get hurt and understand in theory why we should!
    For sure. What’s distressing my No. 2 is the possible consequences I think. I used phrases like ‘investigation’ and ‘possible disciplinary action’. In an organisation that has been as slack as the one I’m in for so long and has such poor accountability and with someone as naive as him, that’s a real shock. 

    KK
    And that's exactly why it needs to be done @KajiKita.  It's going to be a far bigger shock if (when!)it happens because of an actual live incident.  You're right.  Love Humdinger xx 
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 7,059 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    KajiKita - which brand of nooch do you use?  I'm minded to get some at some point, but can't decide whether to go for H&B (cheapest per 100g), B0sh b0ys, second cheapest, or stick with the marig0ldy that I've used before.  BB & Marig0ldy are stocked by MrS, I'd have to go into Greying Town to access H&B.   Any recommendations?

    Greying X
    Pounds for Panes £7,705/£10,000 - start date Dec 2023
     
    Grocery Spend November 2025 - cash £37.37/£150 MrS vouchers £20/£60
    Non-food spend November 2025 £15.78/£50
    Bulk Fund November (month 11 of 12) £12/£35.20 
  • f0xh0les
    f0xh0les Posts: 7,697 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Is it possible Private Sainsbugs has seen Mr KKs kit, or recognised him at a fair and assumes you are Hon Lady General KK of the borderlands ma'am?
    4/10/25Three Years Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
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  • KajiKita
    KajiKita Posts: 8,598 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @Humdinger1 x

    KajiKita - which brand of nooch do you use?  I'm minded to get some at some point, but can't decide whether to go for H&B (cheapest per 100g), B0sh b0ys, second cheapest, or stick with the marig0ldy that I've used before.  BB & Marig0ldy are stocked by MrS, I'd have to go into Greying Town to access H&B.   Any recommendations?

    Greying X
    I use the marigold brand. Partly because it’s the one that’s usually available and also because I did have the BB’s version once and I found the packaging more difficult to get on with - their pot at the time was taller and narrower and I found it just that bit more awkward to get into with a tablespoon. I may be wrong on this, but I think their weight per unit / pot might be less? Might be worth checking 🤔 Never noticed any difference in taste, texture, flake size etc.

    f0xh0les said:
    Is it possible Private Sainsbugs has seen Mr KKs kit, or recognised him at a fair and assumes you are Hon Lady General KK of the borderlands ma'am?
    Hahahaha … very good. 😊. No, I think not. The delivery driver was as hyper as a spaniel, full of cheerful enthusiasms. The trainee he happened to have with him this morning looked a bit shell shocked when he, quietly, came to the door to collect the last of the totes and ask if everything was okay with my delivery … 😉

    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. 
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 7,059 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks hun,  the B-Boyz is £3.50 for 100g, maR1g0ldy is £4 per 100g - so a bit cheaper - but yes, I take your point about the packaging, as I have seen it in 'RL' in MrS, and you're right, it is a taller container.  MrS actually quote pack size by the kilo, so the SEL's say £35 and £40 per kilo, respectively for the pots.  I seem to recall that the HB packet is..... 250g??? and retails for £5 something pence.

    Thanks for your input tho hun, as it always helps if someone has actually used these items.  It's quite a chunk of change to lay out.

    Greying X
    Pounds for Panes £7,705/£10,000 - start date Dec 2023
     
    Grocery Spend November 2025 - cash £37.37/£150 MrS vouchers £20/£60
    Non-food spend November 2025 £15.78/£50
    Bulk Fund November (month 11 of 12) £12/£35.20 
  • I used the marigold nooch too @Greying_Pilgrim

    I nearly bought some new tray things for my air fryer @KajiKita but the new oven came with an air fryer setting 😯 I've used it as much as the oven setting! It works better than my actual air fryer so I'm debating actually getting rid of that now as it's so manky even after furiously scrubbing it each time I use it 🤢. The oven air fryer basket is much easier to clean with no disgusting rubber bits on that the oil clings to. 

    Work arguments are never good I hope it's resolved for you (peacefully). 
  • teapot2
    teapot2 Posts: 3,598 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I've got the BOssh one GP but it doesn't seem to add much in the way of flavour, not tried any others so far.
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