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Mortgage free in Forever Home :-)
Comments
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Awwww ... @greenbee, @themadvix, @Baileys_Babe. Thank you for making me feel less of an 'MSE failure'! 💖
It will make a huge difference to our quality of life and that of any visitors too
And you're right we just don't have the oomph to do it ourselves atm. It means I can get on and focus on other things like tidying up, washing the dining room table cloth, dusting etc.
KK
As at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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 -
Oh and I forgot to mention, as it is stock take tomorrow with no production, boss was absolutely relaxed about me working from home. So I don't have to ask Mr KK to miss any work, or juggle furniture cleaner, leaving him with a key, getting into work late and then leaving again at lunchtime. I have promised myself that I will do (or at least make significant inroads into) the huuuuge legal register review we need before the next ISO 9001 assessment in Mid February.
If you hear snoring from this direction tomorrow, it will mean I have lost the battle of concentration and focus! 🤣
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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.9 -
I am £180 worse off but my sofas are pristine!! 🤩👏😊
He's asked me for a Google review which I will be delighted to give him and I have shared the details of the local parish magazine as i gather he is trying to build up his business locally so he doesn't have to keep heading into the traffic of the local city.
Got a heater and the dehumidifier running full bore as we need to be able to sit on our main sofa by this evening, as we literally have nowhere else to sit ...
Chloe was HORRIFIED by the nosy, sucky intrusion and has only *just* returned for breakfast!
Got my week's washing through the machine and on the line in the weak sun and slight but steady breeze. It won't be bone dry when it comes back in but it will be better and save TD time. Better than tomorrow and Sunday anyway, which are both forecast to be wet all day ... Washed and deep scrubbed the top of both kitchen bins and emptied the recycling into the big green bin.
Trying fennel tea as I think it was @greenbee said it might be an appetite suppressant ... 🤞 Am hoping so as my appetite, especially for junk has finally come roaring back ...
I will go out in a bit - need to change my library books, send a top back for a refund that was too small, forage a curry for Mr KK and collect a prescription (ran out of one type this morning! 😮
KK
As at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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 -
Yes it was me re. fennel tea, and I need to drink more of it too!3
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Maybe we need to be accountability buddies on this tea! 🍵 😂😉greenbee said:Yes it was me re. fennel tea, and I need to drink more of it too!
- Stripped the dining room table and cleaned all the mats, got the table cloth in the wash.
- Collected prescription - so much traffic …!
- Changed library books
- Found curry for Mr KK’s tea
- Foraged lunch for myself - I had debated having lunch out as a treat but it would have taken too long and tbh I think it will be more of a treat after the silly season when everywhere is quieter.- Came home, rescued washing from the line (came in pretty dry) and had lunch
- Hand delivered local Christmas cards - there are still a few I’ve missed! 😳😂
EDIT: Sent off the too small top for a refund.
Fell into my pretty dry sofa for a cuppa!
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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 -
Is that you finished for the year? Hope so.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 -
Sadly not. Still have Monday and Tuesday to do … 🤷♀️ Though I suspect Tuesday will be an utter write off! 😉beanielou said:Is that you finished for the year? Hope so.
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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 -
Happy clean sofas 🍻https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
You sound chirpier now the sofas have been cleaned 😊
You have achieved a lot today, now relax.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
Just my shower to have and that will be everything done for today 😊 I think there might be a GW special to dose off to later … 😉Baileys_Babe said:You sound chirpier now the sofas have been cleaned 😊
You have achieved a lot today, now relax.
Today was the first day when working that it felt like my brain was almost working again 😊
Unfortunately, the Puke Monster has struck again … on Mr KK’s duvet! 🙄😳😢😂
Chloe you are a pain!! 😂
KKAs at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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
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