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Mortgage free in Forever Home :-)

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Comments

  • Merlin's_Beard
    Merlin's_Beard Posts: 1,487 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Random 'stuff' is the bane of my life. There's still a list of things I need to get rid of and boxes scattered everywhere. Well done on cracking through yours.
    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
  • KajiKita
    KajiKita Posts: 7,848 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Random 'stuff' is the bane of my life. There's still a list of things I need to get rid of and boxes scattered everywhere. Well done on cracking through yours.
    I’m not sure that dealing with one carrier bag counts as ‘cracking on’! 😂 But thank you for the encouragement 😊 Tbh, that bag wasn’t too bad, so I might try the little and often approach - rather than a whole room, do one bag, box, corner, table etc a night …. 🤔

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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: 7,848 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Had a productive day:
    - Mr KK’s funeral shirt ironed - I’m quite impressed I remembered how to iron, as it is so long since I did any!
    - Cleaned and polished my funeral shoes
    - Put my washing away
    - Cleared, cleaned and rearranged the ornaments and plant on the dining room windowsill - I top dressed and gave the plant a good wash and soak as well
    - Mr KK’s washing done, dried on the line, folded and returned to user! 
    - Made a rice n beans batch for work lunches - this absorbed a quarter of red onion and a part packet of pre cooked puy lentils that were hanging around in the fridge. 
    - Planted out the white and red onions that I grew from seed - the red are supposed to be a bit temperamental so we will see how they get on
    - battered back more bindweed in the veggie patch - more of that still to do and my gardening bucket has split 😢
    - managed one row of knitting my blanket and a good session of Duolingo 😊

    KK


    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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: 7,848 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic

    Humph ……

    Got caught in horribly slow traffic this evening, after a later than intended work finish time, due to temporary traffic lights that were miss-set. 45 minutes added to a 50 minute journey on an evening where we needed to go out to drop the cat off at the cattery. As I was crawling along the car suddenly flashed up a series of warning lights and sounded like it was running on three cylinders 😳

    We are going to London tomorrow (fortunately not by car!) and I am supposed to be using it to go to a dental appointment on Friday and then a two hour trip each way to a sound bath retreat day that I have been looking forward to for sooo long … 😢 Hoping I can get it in the garage to at least get it hooked up to the computer to see if I can use it or not …. Sigh. Just when I thought my EF was in good condition and I could start OPing ….

    Bah!

    KK

    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,487 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper

    Oh no! Fingers crossed that turning it off and turning it on again mysteriously fixes it, and the EF is safe. I'm always unreasonably upset to use mine, despite the fact that that's what it's there for.

    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
  • redofromstart
    redofromstart Posts: 5,866 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper

    oh no, hope it's a fast fix

  • South_coast
    South_coast Posts: 5,900 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 2 May 2023 at 9:52PM

    Fingers crossed for the car I've never heard of a sound bath before, just been Googling.

    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • KajiKita
    KajiKita Posts: 7,848 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic

    It's also a TRE session which is something to do with learning how to release stress and trauma that is locked in the body through movement. I've never done it before but that will be led / trained by a woman I did the Q'Ero medicine wheel training with and who I trust, so we will see …

    I have to take a sharing dish so am eyeing up a HFW recipe for carrot hummus …..

    KK

    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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: 7,848 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Good news first:

    - car was being eccentric … 🤷‍♀️ when I turned the key yesterday there were no warning lights! Took it over to the mechanic and he plugged the diagnostic tablet in and it came up with a pressure switch error but we don’t know which one. I took a photo of the code with the screen so if it happens again we can cross check if it’s the same error code. No cost! 😊

    - my uncle’s funeral was beautiful. Light, funny, loving, and had its deeply moving moments. I did the first eulogy and am told did it well, setting the tone for the next two that followed. They had arranged a beautiful soloist to support the hymn singing and to sing two pieces the second of which literally reached up and brought down the heavens. There were c. 100 people in the church and various others on Zoom. My husband was a complete brick through the whole thing. 

    Not so good:

    - the journey there and back was a bit of slog and left us both tired and sorely seat shaped. Didn’t sleep the night we were away due to central London noise (traffic, sirens, car horns etc. - we are such country mice! 😉) and the sweltering heat in the flat. 

    - we took my aunt out to dinner on the night of the funeral and in central London, for not good food, that cost £165 for three mains, two desserts and 1 bottle of wine! 😳

    - my aunt fell down in the restaurant, became massively disoriented on the dark streets of London and was trying to take us the wrong way home (Mr KK turned his phone satnav on in the end and I was supporting my aunt …). Once she had finally fobbed us into the building (no, a T3scos key ring cardlet doesn’t work in this context …) she then fell on the first part of the first of two flights of stairs. Once we righted her we insisted on taking the lift and got her upstairs. Later that night I had to help her get undressed as she had got stuck in her clothes ….

    When my cousin gave us a lift to the coach station the following morning she wasn’t at all surprised by what had happened the previous night and explained that my aunt is a long term alcoholic who had started drinking again two years ago when her mother died. My cousin thinks that my aunt is currently drinking enough that she can’t just stop or she will have seizures but if she keeps on drinking like she is she will succumb to organ failure fairly soon. 

    It makes sense of so many things …. Dynamics in the family that I have, if I am honest with myself, previously judged people for, why my aunt always seems so scatty and disorganised. She was a functioning alcoholic when my uncle was around but now he isn’t, it seems she isn’t. 

    I am feeling a bit shell shocked, naive, disillusioned, disappointed, scared for her and angry. It’s a horrible mix. Really glad I don’t have to be in work today. Not quite sure how I go forward with my aunt now ….

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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. 
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Good news re. the car and the funeral.  Sorry about your evening, it sounds exhausting - physically and emotionally.  Hope things become clearer with a bit of time.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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