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Mortgage free in Forever Home :-)
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Great plans for 2026.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.1 -
Great aims! Out with the energy drains like the PC and in with the things that bring you joy.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +12 -
Thanks @Cheery_Daff, @debtfreewannabe321, @skint_spice, @beanielou and @Merlin's_Beard 😊
To paraphrase MB “Out with the energy drains and in with the things that bring joy” pretty much sums up my aims! 😊
Last night I had a quiet evening as Mr KK went out to a social thing that I was supposed to go to but cried off from. Did a load of tapestry, this is last year’s piece that I am pushing hard to get finished so I can start my new one over Christmas! 😉
My energy is slowly returning. Ordered a couple of small things for the garden: a new, robust tap for the waterbutt outside the garage as the current one has seized and the handle has snapped and a bag of mini bark for my tulip pots that I want to plant up this weekend 😊
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2026 as @ 12th July.
Produce tracker: £180 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
I love that. Possibly the best aim for all of us to haveKajiKita said:
To paraphrase MB “Out with the energy drains and in with the things that bring joy” pretty much sums up my aims! 😊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 !!6 -
I have got home to Mr KK being deep in a phone call about the deepest details of the Bedford ….
EDIT: Aaaand that came to nothing. Just the guy who did the vehicle check on Monday needing clarification of some details for his report.
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2026 as @ 12th July.
Produce tracker: £180 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
oh bottoms!KajiKita said:I have got home to Mr KK being deep in a phone call about the deepest details of the Bedford ….
EDIT: Aaaand that came to nothing. Just the guy who did the vehicle check on Monday needing clarification of some details for his report.
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 -
Hope it’s good news and the Bedford is off to a new home
love 🐞Declutter 1536/ 2026
books read 11 in 2026
£320 🥳 funpot
🐞change pot £84.92
£20/£5000 -
Not so far … It’s complicated. Military vehicles used to go back through REMY workshops for servicing and sometimes full strip downs and rebuilds. That can mean engine and chassis numbers don’t always tally. In a vehicle as old as this one (1939) it’s almost inevitable. Not sure if this will put the buyer off if he’s used to looking at classic cars, which are more likely to stay together as ‘one lump’ iyswim.ladybird1106 said:Hope it’s good news and the Bedford is off to a new home
love 🐞Very tired today, in spite of sleeping okay.Finally got the defib cabinet installed in work - will register it on Monday, once I have worked out how to use the wot 3 words app thingamee …
Popped into H0wdens on the way home hoping to pick up two decor panels for the kitchen island but they had none in stock. Now on order - due in Wednesday.Used up the green beans that I cooked last night but were too many for us to eat, in a bowl of tomato soup for lunch. It actually worked quite well - nice contrast of texture and colour and saved wasting the beans 😊
Fell asleep after lunch for 30 minutes with Chloe asleep on top of me! 😊❤️🤩 Felt very indulgent!Then managed to get moving for a bit:
- Cut down and squashed into the recycling bin, a huge cardboard box
- Emptied the kitchen bin
- Refilled the bird feeder
- Refilled the firewood and kindling boxes
- Planted out the winter flowering honeysuckle - near the greenhouse and close to the bay tree. Got microzhial pellets on the root ball, gave it a good mulch of sterile compost and a water. It needs some bark around it as well, but that can wait until tomorrow 😊 This is the beginning of my campaign to have more flower scent in the garden, so I’m happy I got this done today.- Cleaned the bathroom and the loo. These were a bit overdue thanks to us both being ill so good to have got these cleaned up. As part of this I also vacuumed the extraction fan cover over the shower cubicle 👏💪
Baked spuds for tea with batches from the freezer tonight and Mr KK has requested a dish and chip supper tomorrow night 😊
I want to make a white sauce batch tomorrow and Mr KK is going to make a stew from the other end of the HUGE lump of beef he bought a few weeks ago that wouldn’t fit in the slow cooker in one piece! 😂😊 I’m also going to look at veggie option ‘Christmas sauces’ to prep for the freezer tomorrow.KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2026 as @ 12th July.
Produce tracker: £180 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
I have had a rummage and found an onion and ruby port gravy recipe I will prep and then freeze down tomorrow 😊
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2026 as @ 12th July.
Produce tracker: £180 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
You sound so much brighter, glad to hear it.
Of course, it may be the case you have to have a literal catnap after lunch every day to keep your recovery on track, such a pityhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3
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