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Mortgage free in Forever Home :-)

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  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry you had a rough day, I hope today is better ❤️
    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
  • KajiKita
    KajiKita Posts: 7,828 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sorry you had a rough day, I hope today is better ❤️
    Thank you 😊 
    The major stressor from yesterday (collective preparation of a presentation for someone else to present to an important customer next week) is done! Phew …. Also, my conscience is clear as I processed the strawberries this evening, so I can stop feeling guilty about them! 😂 It’s been a manic week though. I am really looking forward to Mr KK coming home tomorrow - I seem to lack all structure without him being around ….! 
    Emptied two shelves of a big bookcase in the lounge this week - two more to go and it will be ready for relocating. I *might* get this done tomorrow evening, depending on how jam making, grocery order setting up and me uselessly drifting through the evening goes! 😂

    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. 
  • skint_spice
    skint_spice Posts: 13,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the jam making!
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,828 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Mr KK is safely home! The Jeep didn’t miss a beat all week - no top ups of oil or water needed! ❤️ I have two new ornaments 😊😉

    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: 7,828 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Loads of ‘wanderer returning’ washing passing through machine, washing whirly and clothes horse in hot conservatory. Sainsbugs have been - only cress missing but I can live without that this week. Haircut done and I am back to my happily shaggy self. 

    It’s getting warm here so I will be either in the shade or the living room this afternoon, with a book! 

    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: 7,828 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Had a lovely time in the shade finishing my latest book - absolutely excellent ❤️😊
    Mr KK picked another £5 worth of strawberries this afternoon, updated my produce tracker and added to my signature 😊
    All 4 loads of washing are dry and in, as we are threatened with thunderstorms at some point in the next 24 hours. Just needs folding and putting away. 
    La Belle Floof has deigned to grace us with her presence and is sleeping in the armchair across the room from us. Mr KK is catching up with the IoM TT - I will be wresting the remote off him when I come back down from my shower for an hour to watch G’sW 😊

    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
    Sounds like you are having a lovely time, and productive too.  Love G'sW, there's something about Monty Don's presenting that makes me relax - even Mr Shores likes watching him.
    "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 

  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I lasted 15 minutes last night before falling asleep watching GW and have only managed a grand total of 3 episodes ever without falling asleep and the episode lasting 2 days 😂 Monty is the equivalent of James Hoffman (coffee aficionado) with his calming tones and soothing voice 
    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
  • KajiKita
    KajiKita Posts: 7,828 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @SandyShores - yup, I enjoy MD too. I like that he is consciously ’breaking rules’ more these days and ‘playing’ more iyswim. I do worry about who would replace him - Adams is too ‘brittle’ for me and although I love Francess, her new garden is too small as a host space I think. 

    @MissRikkiC - I can relate. When the start time gets pushed out to 9pm I am scuppered. I’m so tired I can’t concentrate and don’t enjoy it because I almost can’t see it. Optimum for me is an 8pm start so I can sit down at 8.30pm to start watching it and slope off to bed at 9.45pm - I am sooooo rock ‘n roll! 😂

    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. 
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