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Mortgage free in Forever Home :-)
Comments
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Skipton BS also had a grid until very recently, and it was a pain in the backside because this is back when they were the only provider of a cash LISA so there was no choice but to deal with it!f0xh0les said:I apologise wholeheartedly to The Coop for mixing it up with The Cov , but it is nice to know so many of us share another common grid based financial experience . 🤣
Felt a bit like doing a puzzle.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 20253 -
Read the secret garden today 😊❤️🤩
Tip run done - Mr KK pleased as he’s all ready for the presale inspection tomorrow - The Bedford ran well when started today too.Chloe brought home a young rat (2/3rds grown) - fortunately dead. Mr KK confiscated it before it could become a bloody mess anywhere and I distracted her with breakfast! 😉Whilst I was already wet from rain I watered the greenhouse.Wrangled all the washing - just Mr KK’s sweat shirt on the heated airer finishing off.Made an Italian chocolate hazelnut cake. Sadly it caught a little on the top - not sure if my oven is running hot or if I chose too high a shelf. It is very good though. I plan to wrap all the pieces individually in parchment and freeze as a treat-snack over Christmas. I will also take some with me to work this week as I’m still struggling to eat much so a piece of that will do me quite well as breakfast as it has eggs and hazelnuts in it.Cleaned the water jug and changed the filter - last time of doing that job in 2025!Rang my mum - she had an op on a leg ulcer last week and apparently it is healing up well. She sounded quite chipper 😊
Mr KK still can’t taste anything but he is going to cook tonight - I wonder how much I will be able to eat🤷♀️
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 = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2025, as @ 7th December
Produce tracker: £442 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 -
Eek to the present from Chloe. Shudder.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 -
Quite! 😳 I was very glad she brought a dead one in not a live one! Last time that happened Mr KK had to have at it with a poker!! 😳beanielou said:Eek to the present from Chloe. Shudder.
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 = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2025, as @ 7th December
Produce tracker: £442 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 -
I love that book KK. I am going to put out to the universe I would like to find an old copy of it somewhere. (Old books are somehow more precious to me)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 -
< tips the wink to VNMWatty1 said:I love that book KK. I am going to put out to the universe I would like to find an old copy of it somewhere. (Old books are somehow more precious to me)
>
It is a lovely book and I do wonder if that is partly where my passion for gardening came from ... ? 🤔💖
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 = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2025, as @ 7th December
Produce tracker: £442 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 -
some how I missed the mention of a book. or have forgotten it was mentioned. Which book?? (might check shelves in garage....)KajiKita said:
< tips the wink to VNMWatty1 said:I love that book KK. I am going to put out to the universe I would like to find an old copy of it somewhere. (Old books are somehow more precious to me) >
It is a lovely book and I do wonder if that is partly where my passion for gardening came from ... ? 🤔💖
KKI’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
⭐️🏅😇🏅🏅🏅1 -
The Secret Garden.Brie said:
some how I missed the mention of a book. or have forgotten it was mentioned. Which book?? (might check shelves in garage....)KajiKita said:
< tips the wink to VNMWatty1 said:I love that book KK. I am going to put out to the universe I would like to find an old copy of it somewhere. (Old books are somehow more precious to me) >
It is a lovely book and I do wonder if that is partly where my passion for gardening came from ... ? 🤔💖
KK
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 = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2025, as @ 7th December
Produce tracker: £442 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.1 -
Ah! That explains me forgetting it. Not a much liked book here so definitely no copies in the garage. (that's where our library is). I never read it as a child and only read it when in my early 20s as I was taking a Children's Literature course as part of my degree. I found the course annoying overall as it excluded any of my favourites which were Canadian and thus not part of "great" works. Swallows and Amazons was also annoying. Mowat's Lost in the Barrens was much better to me. As was his The Dog that Wouldn't Be. Or Burford's The Incredible Journey. Which reminds me I must make sure I get another copy of that having lent it to a friend a decade back.KajiKita said:
The Secret Garden.Brie said:
some how I missed the mention of a book. or have forgotten it was mentioned. Which book?? (might check shelves in garage....)KajiKita said:
< tips the wink to VNMWatty1 said:I love that book KK. I am going to put out to the universe I would like to find an old copy of it somewhere. (Old books are somehow more precious to me) >
It is a lovely book and I do wonder if that is partly where my passion for gardening came from ... ? 🤔💖
KK
KKI’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
⭐️🏅😇🏅🏅🏅1 -
I have REALLY struggled today. So tired. Sitting in a sofa reading with occasional doings is not the same as trying to concentrate all day. Came home, had a cup of tea and promptly fell asleep on the sofa! Had enough of this bug now! 🙄
Mr KK wrangled the vehicle inspection okay - it sounds like it went well and the guy liked the truck and could see no issues with it. Let’s see if it leads to a sensible offer …
Confused about eating. I’m still not wanting food but my body is behaving as if it’s hungry (getting lightheaded etc.). Do I feed it or not?
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 = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2025, as @ 7th December
Produce tracker: £442 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
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