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Mortgage free in Forever Home :-)

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Comments

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,617 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Oh Chloe! It's the way they run past all the things you wouldn't mind them going on, or are easy to clean, to head straight for the one thing you wish they wouldn't.

    I would also agree that paying for someone else to do something you hate doing is MSE - you've considered the cost to yourself and it's worth it - ergo it's mindful spending, not frittering.
    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 2025
  • beanielou
    beanielou Posts: 97,437 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    If it’s any consolation Miss S was sick on my bed the other day. 
    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.
  • I think this is why my mum covers everything in blankets now, with three cats there is always one being sick :lol: 
  • redofromstart
    redofromstart Posts: 6,013 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    There is nothing that makes you get out of bed faster than the sound of a cat starting to retch is there? 
  • skint_spice
    skint_spice Posts: 13,605 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about the cat sick but at least it wasn’t on the freshly cleaned sofa! Miss S watched on in horror as I threw up yesterday  but at least I made it to the bathroom - coughing too much does this to me.
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,821

    Boiler fund £605/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 97,437 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry to hear about the cat sick but at least it wasn’t on the freshly cleaned sofa! Miss S watched on in horror as I threw up yesterday  but at least I made it to the bathroom - coughing too much does this to me.
    Eew. Poor you. ❤️‍🩹
    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.
  • KajiKita
    KajiKita Posts: 8,970 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sorry to hear about the cat sick but at least it wasn’t on the freshly cleaned sofa! Miss S watched on in horror as I threw up yesterday  but at least I made it to the bathroom - coughing too much does this to me.
    Oh hun … 😢 I know what you mean though - I was getting to the point with some of my coughing I was starting to retch. Horrid!

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - 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. 
  • KajiKita
    KajiKita Posts: 8,970 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    OATings:

    - PiR solar powered wall lights put on the walls by the steps on the way down to the cellar, on the outside of the garage where Mr KK unloads his van and on the wall of the DIY shed next to the wheelie bins. Huge safety and quality of life OAT 👏😊

    - Self adhesive draught excluder strip has been added to conservatory and front doors - if it stays put, it should make a huge difference 😊

    - Mr KK has swopped out the top of the kitchen island from cheap plastic granite to engineered oak - made the kitchen so much lighter 😊 He’s also installed the door panels I picked up on Wednesday and the rear panel and front kick board. We didn’t swop the handles over though! 🤷‍♀️ 😂

    Adventings:

    - Tree is in, up, and decorated, as is the rest of the house 🎄

    - We have decided that Christmas has now begun and we are each allowed to open one of our treats - I have cracked open the Belgian chocolate nuts (very good) and Mr KK is enjoying some Brazil nuts 😊

    As an aside - had strong cravings for a bag of Worcester sauce crisps after the Belgian chocolate nuts, but had a cup of fennel tea and I haven’t eaten the crisps! Thank you @greenbee! 😊🤩

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - 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. 
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