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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,839 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Made a small OP - £5.52 from QM33 😊

    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 43 books of target 52 in 2025, as @ 17th 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
    KajiKita said:
    Thanks @SandyShores (every time I call you Sandy in my head, I see you as Sandy in Grease in the tight trousers and big hair! 😊😉) 
    :smiley::smiley::smiley::smiley:  Aw I loved those days (not the 50s) when the movie was all the rage, I was too young to have a pair of those trousers at the time, but a couple of years later I two pairs in lilac and blue, probably more the 80s disco versions :smiley: .  Nowadays its more likely to be leggings and a long top :smiley:  I know the photo I need to add to my username now!

    I'm glad you don't spend too much of your own time on work stuff.  I spent far too much of my own time on work previously so have gone cold turkey and am being really strict, but I will probably find a balance and do a bit in my own time when its for my own peace of mind.  And its good that you can have those conversations with your friend, it sounds like you have made her think.  xx
    "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 

  • KajiKita
    KajiKita Posts: 7,839 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @SandyShores, it sounds like we are similar ages (I’m 52). I remember horrifying my mother when I went out and bought my first pair of jeans - 3/4 length Pepe’s, with the zip at the bottom of the leg - do you remember them?
    In my case these days, I’m more likely to be found in a pair of black combats and an old holey top, deep in a border! 😂

    You have reminded me - must draft an induction program / initial training plan for my new starter on Monday and then I can pack my work laptop away! 😊

    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 43 books of target 52 in 2025, as @ 17th 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: 7,839 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It’s cold and gloomy here - I should be out planting but I just can’t face it atm. The bite in my leg is pretty sore - it’s got to the point now that my leg feels tight and restricted by it! 🙄
    I will prep the induction as described above, do some ironing (a *very* rare event round here 😉) so I look respectable in Bath for lunch, get Mr KK’s washing out on the line (it’s sloshing around atm) and think about breakfast. Might read a bit more of either productivity ninja or the gloriously mad novel about a female, Arabic pirate before heading out 😊

    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 43 books of target 52 in 2025, as @ 17th 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. 
  • badmemory
    badmemory Posts: 9,723 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Well I am really showing my age because my first thought was of Sandie Shaw singing barefoot!  Sorry about the bite they can be really nasty & can need antibiotics.
  • KajiKita
    KajiKita Posts: 7,839 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    badmemory said:
    Well I am really showing my age because my first thought was of Sandie Shaw singing barefoot!  Sorry about the bite they can be really nasty & can need antibiotics.
    Thanks 😊 It’s slowly getting better and nowhere near as ‘rocious as the last one on the inside of my foot, which kept me awake for the best part of a week! 

    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 43 books of target 52 in 2025, as @ 17th 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: 7,839 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    FB has just reminded me that it is our 17th wedding anniversary and here I am on my own, whilst Mr KK is gadding about in Northern France with his mates, and today I even did his washing! Hmmmmm ….. 🤔😂

    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 43 books of target 52 in 2025, as @ 17th 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: 7,839 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @MissRikkiC - my tofu is swimming in your marinade ready to try out tomorrow 😊

    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 43 books of target 52 in 2025, as @ 17th 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. 
  • Viking_mfw
    Viking_mfw Posts: 728 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    Ooh what's the female pirate novel please?
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Oh I so hope you like it! The other was soy eggs but I do just think that was eggs soaked In soy sauce over night. Delicious! 
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
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