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Mortgage free in Forever Home :-)
Comments
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Fantastic work, well done KK 🥂👏🏻Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/243 -
Well done🎉Mortgage OP 2026 £960/2000Mortgage balance: £31,427
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £02 -
well done on the feedback - well deserved! and well done on the OPs as well, nice to see the hard work paying offStart 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 -
Thanks for the cheering on @debtfreewannabe321, @skint_spice, @Merlin's_Beard 😊
Chicken is defrosted, prepped and back in the cellar fridge. I have worked out cooking times so I know it has to go in at 9.45am, so not a crazy early start tomorrow 😊 My veggie roast and special sauce are out defrosting 😊
Mr KK enjoyed his trout for dinner tonight - it looked like a whale compared to his plate, but he manfully battled through it! 😉
We have discussed seating arrangements (MiL will be at the head of the table to ease off the inevitable gap of FiL not being with us) and when to open presents (2 phases - ours after breakfast and then mutual presents with MiL after lunch 😊). I think it should all work well 🤞
Finally, I just want to thank you for all your company, good cheer and advice over the last year. You are my conscience and my guide. I hope you all have a wonderful Christmas season, however you may or may not celebrate it, and I look forward to spending more time with you in 2026 🎄🎊🎉🤩😊
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.11 -
I hope your washing dried KajiKita - ours did well outside, and I got it in just about 3pm and stuck it in front of the dehu for 2hrs. It's in the drawers now, fully dry 👍
Sounds like you've tomorrow planned out beautifully, hope it all goes well for you, and that you have a wonderful time.
Greying XGrocery Spend June 2026 £81.46/£225
GC May 2026 £225.53/£200
GC April 2026 £199.95/£200
Non-food spend June 2026 £36.28/£80
Bulk Fund 2026 Month 6/12 - £9.98/£87.56 (reducing balance - start £120 pa)
""Mother Nature don't draw straight lines
The broken moulds in a grand design
We look a mess but we're doing fine
We're card carrying lifelong members
Of the union of different kinds..."
"Union of the Different kinds" - R Christie & T Gilbert, Fisherman's Friends4 -
Tomorrow sounds perfectly thought out, I hope you all have a lovely Christmas dayhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
Love the thought that has gone into everything, I hope tomorrow is full of joy for you allStart 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 -
I hope you have an enjoyable day today.
My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo2 -
@Greying_Pilgrim, very nearly, it just needed warming through on the heated airer before being put away 😊
Thanks @PennysIntoPounds, @Merlin's_Beard, @redofromstart - same to all of you 😊
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.3 -
Small passing note … I asked Mr KK to buy me a new kneeler, weed membrane and membrane pegs for Christmas. I got the kneeler (in neon pink! 🤩❤️) but not the membrane nor the pegs so have just ordered them for myself! 😉
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.6
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