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Mortgage free in Forever Home :-)
Comments
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Had a chat with GP this morning about adding two further checks to my next blood test - which he has agreed to
Even if they come back normal at least that will eliminate the wondering about whether those are reasons why I am so flipping tired all the time and crash in the afternoons.
I also asked if I could have a physio referral for my hip - I am in pain most days / nights with it and generally only getting 2 or 3 undisturbed nights of sleep a week (overheating and anxiety also don't help ...).
He's not averse to the possibility of physio but wants to 'have a poke at me' to see whether there would be any merit in doing some tests first and giving the physio an idea of what he thinks the issue might be. It means I won't get to be examined until W/C 22nd December (we will discuss my blood test results at the same time) but after so many years of living with this, a few more weeks won't make much difference ...
🤷♀️ Maybe 2026 will be the year I sleep well! (That would be very nice!!)
KK
As at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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.10 -
Posted the card I bought and left out for the shop floor and walked round various admin teams for the lady who’s just had horrendous surgery and the prognosis is not sounding good for …
Harvested some rosemary for dinner potatoes in the almost dark.Bagged up some compost for my quality engineer to pot up the rooted cutting I gave him weeks ago and has been flowered for him now! 😂
KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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.7 -
Cashed out £4.12 from a survey site last night and sent off as OP (no TT of account possible). Still struggling to get my head back into these ...
Bad night. Chloe came in early, very clingy, with a scratch on her nose (I guess territories are being adjusted still?) and then went out later and didn't come back until after we went to bed (Mr KK found her on the sofa when he was wandering around at 2am looking for painkillers - we are a right pair atm) so I was worried about her. I awoke with anxiety driven overheating and BOTH hips were hurting. I couldn't lie on my back as that made me too hot and lying on either side hurt .... Bah! Can I have permission to be a little grumpy today?
KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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.7 -
Permission granted and Ferral Kitten on her way to explain about human beds to Chloe - she needs to be reminded to snuggle humans that are suffering!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 -
Awww ... 💖 Thank you to both you and Feral Kitten.Watty1 said:Permission granted and Ferral Kitten on her way to explain about human beds to Chloe - she needs to be reminded to snuggle humans that are suffering!
I'm not sure Chloe really appreciates how lucky she is with her Hoomans, in the way our last cat did ...
KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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.6 -
Permission granted 🤗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 -
Hope you are feeling a little less grumpy this evening and that you and Mr KK have both controlled your collective aches & pains. Also hope that Chloe's scratched nose is OK.1
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Thanks @beanielou 😊
Bizarrely, after posting the above I went in to have the best day I’ve had in a long time …Brewerspride said:Hope you are feeling a little less grumpy this evening and that you and Mr KK have both controlled your collective aches & pains. Also hope that Chloe's scratched nose is OK.
- significant step forward in a project that is dry, dull and business critical (driven from CEO level). For the first time I actually believe we might hit deadline…
- Boss’s boss was onsite today and I mentioned the above to him. “Oh” he says “sounds like you are significantly ahead of all the other sites” 👏🤩 which was great feedback to get, as all we get from the Group QSHE manager is that we’re not working hard enough and have to do more! 🙄😂
- knocked over two jobs related to first aid and booked a review meeting in January
- booked a meeting with my boss to review our BCP in January (it’s verrrrrry thin!) and boss accepted
- got sign off on booking banksmen training and buying warehouse steps for safely accessing filters above an oven
- got boss to agree that we can look at an alternative sub-con for a long standing quality issue
- another long standing quality issue has dropped back from a 50% fall out rate to 100% pass rate as of today - 3 changes made this happen, one from me, one from my quality engineer and one from the shopfloor - love team work! 🤩❤️
- my quality engineer drafted a respectable first attempt at an NCR summary 👏😊 and absorbed all my feedback
- took a slightly hysterical call from the electrical contractor I use (he’s in that horrid limbic phase between a death and the funeral for a family member, works on a short staffed local fire service and is flat out running the electrical business where they are moving their offices atm, so is somewhat overwhelmed) and then had to act as ‘translator’ between him and the filter company that he is aiming to install the power supplies for - I have always avoided anything electrical as long as I possibly could in my life, so asking me to help with this was not a great call … 😂 but I tried to apply logic, structure the questions to get the information needed and then fed it back to the electrical contractor - by the end of this second phone call, he was coming down from the ceiling and we have a plan on how to go forward … 😊
Since coming home I have:
- brought the firewood in
- split kindling
- fed the birds
- fed the cat
- wrapped, packed and labelled my parents’ Christmas ready for posting 😊
I’m tired now, but I’m happy again 😊
KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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 -
Happy is good.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 -
happy again is good.
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 !!2
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