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Mortgage free in Forever Home :-)
Comments
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Will be looking out for your flower scent posts with interest.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 -
I will bear that in mind 😊Watty1 said:Will be looking out for your flower scent posts with interest.
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.2 -
I believe Chloe would be able to tolerate this arrangement … 😉❤️PennysIntoPounds said: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 pity
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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 -
Slept okay, not brilliantly but okay. I’ll take that 😊
Feeling a bit more myself in spite of ongoing gloopiness 🙄🤧
- First load of washing on the line (very optimistically 😉😂) - the grundies mobile is in the greenhouse …! 😂
- Dead headed the violas in the pots on the patio and fed them with powdered comfrey
- Bark top dressed the winter flowering honeysuckle I planted yesterday 😊
- Emptied the veg peelings tub into the compost along with a box of apples Mr KK dumped in my potting shed in no real order and have now started to rot 😳🙄
- Potted up all my dahlias now that they are dry, the dahlias rejected / donated by my very serious gardening friend and the begonias that survived the vine weevil
- The dahlia potting up required some quite big pots, which in turn meant I picked up all the pits that had blown over in recent storms at the back of the house 👏😊
Now having a quiet cuppa before Toscos arrive and needs wrangling 😊 Chloe is supporting this rest period by wiping a wet tail across my face whilst purring vigorously … I think she’s forgotten that she has food in her bowl, excuse me a minute …
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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 -
🤣 hope you got another quiet moment after seeing to Princess Chloe 😊 haha.Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 12/242 -
I’m back on the sofa with a novel for a bit before I psych myself up to go outside and do more washing wrangling … 😉debtfreewannabe321 said:🤣 hope you got another quiet moment after seeing to Princess Chloe 😊 haha.
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.1 -
Cats 😹 😹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. 19months left.2 -
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.3 -
Goodly chunk of time in the potting shed - as the dahlias were out of the way, I potted up the last of my tulips. As I ran out of pots, I put the last two lots straight in the garden 😊
Spent an hour or so in the garden, hand weeding, in the sun in the veggie patch. Filled a big tub of various weeds and had at the Goat weed and oak tree sapling next to the greenhouse - very satisfying to get those out without Mr KK’s help 😊👏💪
Washing is doing quite well in the weak sun and periodic breeze. 🌞😊 I will bring it in at c. 2pm once the sun leaves the garden.
I’m not going to do any more in the garden this afternoon. I need to pace myself a bit! Instead I’m going to take myself out to a garden centre to see if they have anything interesting … 🤔
Possibilities might include:
- hardy ferns for my new bed between the deck and the mower shed - if they happen to be reduced due to being out of season, so much the better! 😉
- Scented perennials
- Winter lettuce - my greenhouse ones are really struggling this year …
- New bag of potting compost as I’m almost out now.
I will ignore any Xmas ‘stuff’!KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.7 -
A nice day to be out in the garden!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: +13
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