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Mortgage free in Forever Home :-)
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Happy Friday. Enjoy your weekend.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.2 -
As at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
I messaged DP and said don't worry about picking me up I need to walk off my bad back...he messaged back with something along the lines of are you mad? I hadn't noticed the weather had got around five times worse since starting work and was glad he ignored me and collected me anyway 🤣 very stormy and wet.
Hope you have a relaxing weekend!Emergency Fund- £717.77
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest4 -
Another reason why your DP is a keeper …. 😊debtfreewannabe321 said:I messaged DP and said don't worry about picking me up I need to walk off my bad back...he messaged back with something along the lines of are you mad? I hadn't noticed the weather had got around five times worse since starting work and was glad he ignored me and collected me anyway 🤣 very stormy and wet.
Hope you have a relaxing weekend!
In other news, my quality engineer is being made homeless, again, for the 7th, maybe 8th time since becoming an adult (he’s only in his early 30s 😳). His landlord is selling the flat he and his girlfriend are in and wants them out by March. He’s being remarkably level headed and calm about it, but I have told him firmly, that he can immediately have time to view anything that comes up and I can do him an employer reference for the credit check (he’d mentioned the first thing to me but not the second, but I know the drill as I have done it before). He said he appreciated it and I said there wasn’t much I could do to help him, but I didn’t want those details adding to his stress levels.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
And while I remember I had a softer moment with my mum this week …
I’m rereading Charles Kingsley’s Water Babies atm, as Mrs Do As You Would Be Done By has always been one of the tenets by which I live, my North Star if you will. I wanted to understand why that character had made such an impact on me from being read the story when I was wee. As I was reading I started remembering sitting by the gas fire in the Day Nursery (yes, my parents really called it that … 🤷♀️), the softly coloured illustrations in the book, my mum reading to me … And then, I’m still reading and thinking this section is really boring … (for those that don’t know it, it’s a Victorian story about a young chimney sweep who runs away from his master for innocent reasons, becomes a water baby and learns much about himself and life in his following adventures, but inserted in this reasonably engaging story are great chunks of philosophical waffle / proselytising … I started to skip them (I want to get to Mrs DAYWBDB! 😉) and then remembered my mum skipping these too …
I replied to my dad’s weekly ‘climbing mountains’ email and as well asked my mum if my recollection was correct. In response I got this:
“ Yes, I do indeed remember reading the Water Babies, and watching carefully to see when interest might be slipping and some pages quietly omitted . . .”
This made me happy. It’s not often that I come across evidence of my mother caring about how I was feeling about things as a child (or now 😉). That intellectual effort is exactly apt for how my mother is … 🤷♀️❤️😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Interesting the things from childhood that follow us around - there are definitely books that follow me. And what a nice memory of your mum paying attention to you!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 20254 -
Interesting about your mum. And I absolutely love that book. It is an early childhood memory for me tooMade 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 !!4 -
How lovely you've booked for Bayeux. We had a lovely time there a couple of decades back which included going to see the famous tapestry. And had a marvellous dinner at a local restaurant. Don't think you'll be interested in that as it was run by one of the local butchers....excellent food but one of the highlights was little glasses of frozen shredded apple topped with calvados. Lovely.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
⭐️🏅😇🏅🏅🏅
STRUGGLING DURING THE HOLIDAYS??
click here for ideas on how to cope....Some websites and helplines if you're struggling this Christmas — MoneySavingExpert Forum6 -
@KajiKita you were loved - and still are, despite your mother's well documented peculiarities. You've caught the ball that was probably bounced down the generations and are saying 'this far and no further '. If it's any consolation, your outstanding empathy is one of the results. You're plainly making the world better for so many people, including the colleague mentioned above. Love Humdinger xx7
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Thanks @Merlin's_Beard, I seem to have loads of books like that! 😂
@Watty1, old childhood books like that come in beautiful editions now 😊
@Brie, I’m a touch nervous about vegetarian eating there, but it’s only a week, I’ll survive and yes, they are very keen on calvados there! 😊
@Humdinger1, you think I was loved? I’m not so sure. I think my dad did, in a clumsy thoughtless way. Every impression I get of my childhood from my mother, was of being a burden, a responsibility, a chore that never ended. She speaks similarly of my uncle (her brother) who was born a long time after her, after the war, who she had to help look after as well. They politely, vehemently loathe each other to this day … 😉
I decided when very young, maybe 5 or 6, that I didn’t want children, as I didn’t want them to be treated like I was being treated and I’d heard that we repeat behaviour patterns down the generations. By the time I met Mr KK I was healed enough to contemplate the possibility that joy could come from it, which was about when I found I couldn’t. 🤷♀️ Ah well.I slept so well last night 😊🎊🎉🤩
I found a massage ball in one of my endless bedroom drawers last night and used it to ease out my lower back, which in turn helped my hip. With it then being cooler as well, I pretty much slept right through. What a luxury 😊❤️
Made a start on the washing but the weather here is murky, misty and very damp so the TD and the heated airer will have to be deployed.
After wrangling the Toscos delivery I shall head into town to change my library books (they are still in the back of my car, where I abandoned them yesterday! 😂) and then meet a friend for lunch 😊🤩
There has to be some PC work done today as well … grrr … 🙄
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.12
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