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Mortgage free in Forever Home :-)
Comments
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Oh, the pancake was lush! 😊 Finished off the scrag end of my jar of HM piccalilli with it and had a brew with it, followed by another one in the sofa, as the first one was so good.
Really ought to go do more of something now ….
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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 -
Feel your pain about the rain. Had my hair cut Yesterday, they spent a good half hour drying and styling it, went to Aldi then loading the car the heavens opened and my hair was literally plastered to my head in about 30 seconds! So pleased you have cancelled your German prime. I used to pay for my sons phone and he inadvertently signed up to some text thing and it got to £92.00 worth before I caught it and managed to stop the charges. Angry doesn’t come into it
2 -
I have an announcement 😊
I have achieved two significant steps forward today:
1. I have paid off my credit card for the month WITHOUT touching my pay, for the first time (key YNAB concept). This took £749 from my savings. However, I then looked at my commitments for the month for where my pay needs to go and I had £1,400 spare in my current account. I diverted £1,000 from my current account across to my savings and ….
<drumroll> ….
2. OPd £404.81 to leave my current account at a tidy £2500.
If I have my sums correct, it looks reasonable to me that I will be able to OP £400 pcm going forwards even with building up my savings.Beyond excited! 😊❤️🎉🎊🥳
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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 -
That is awesome! Well done.Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here3 -
Got to love YNAB2
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I’ve just found out that my Uncle Robert has died. Yesterday morning. I was only thinking about him last night ….
Apparently my aunt has lost my number …. The lady I have been texting daily for c. 3 months now … I had an email from a far distant member of the family and it doesn’t sound like my dad knows so I am the one who has to tell him. I have tried to, but he’s in a meeting so we have an appointment for a call at 7.30pm tonight. You couldn’t make it up! 🙄With the debacle that is communication in my family I am not 100% convinced that Mr KK and I will get to find out when his funeral is …. That would gut both of us.So relieved that his suffering is done. He had struggled on long enough. It’s good to think of him back with his brother and sister and my grandpa. ❤️
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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 -
Conversation with my dad done. Mr KK was listening in on the call and thought he sounded very shocked.My aunt rang before (made me late for the call with my dad) - she sounds surprisingly upbeat and future focused (thank goodness). I think seeing her husband like that for so long, even she realised that he had zero quality of life and no chance of recovery. She told me a lovely story about how he had two other girlfriends when she first met him - he was such a lovely guy that doesn’t surprise me. The one fell in live with a friend of his and the other my aunt warned off 😉Having that conversation with my aunt enabled me to tell my dad a bit more of what had happened, that he passed without distress etc.My dad is a very formal and dry old stick but I could hear a tremor in his voice when he told my mother in an aside to her. It really shouldn’t have been me telling him, but in a way I was glad it was me - we could wryly smile together at the eccentricities of the communication process. He thanked me at the end of the conversation. I said I couldn’t say my pleasure(!) but that I was glad that he now knew and wasn’t going to find out some other random way. He agreed. We’ve *absolutely* agreed to share ANY and all intelligence related to the funeral!!! 😉
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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 -
Oh so much sympathy and empathy from me. Hope you do get to go and say your farewellsMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
I was just about to scroll down and say well done on your YNAB success, but then saw your posts about your uncle. Sending good wishes Kajikita x"Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Thanks Redo, Sandy. I have moved from feeling numb to relieved and very, very tired. Been quite a day ….
KK xAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.2
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