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Mortgage free in Forever Home :-)
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Got incredibly hot this morning, whilst watering some key areas, plantings and pots, but well worth doing. Still waiting for the promised downpour …. 💧⛈️🌧️Went to Mr KK’s work ‘family fun day’ in the Jeep at lunchtime today. But not only did the weather rain on us (only enough to make us miserably chilly), the Jeep 'failed to proceed ' (after a whole week of driving around Normandy without any issues at all!). Had to be towed home by a colleague using the boss's old style Land Rover, with Mr KK muttering about ‘the shame of it’ the whole way .... 😉🤣 After furtling about in obscure corners under the bonnet all afternoon, with me occasionally helping to press the start button or look for a spark etc., he traced the fault to a worn condenser and once that was changed she roared back into life again 😊 He’s now talking about replacing the whole ignition system with a more modern design (solid state) rather than the hybrid muddle of old and new type design he has atm.I have at least managed to get the loo and bathroom cleaned, which are my worst jobs 🙂 Went round all my house plants and dead-headed and dead-leaved them all, so they are looking fresher too. Emptied another shelf in the big bookcase ready for the room swop round. Strawberries from the garden prepped for dessert and Mr KK is cooking dinner. Lunch, breakfast and snacks for tomorrow are done! 😊 All I have left to do tonight is another bookcase shelf and a shower 😊
KKAs 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.4 -
By 630 as well! I an jealous!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#latest2 -
MissRikkiC said:By 630 as well! I a jealous!KKAs 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.3 -
Eek! At least it happened here and not in Normandy! Although sort of hilarious that the picture ended up looking like a cheeky below the belt ad for Land Rovers....
Sounds like a very productive day - we're still waiting for a promised downpour here - it looks very threatening but I am meant to be watering the neighbour's garden while they're away and it hasn't happened yet...
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 20253 -
No rain here yet either. We were visiting friends early, there were a few instances of rumbling thunder and we noticed a few big rain drop splodges on the patio but none of us felt a drop.
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
MOT happened today - came in at £276.30 which is way better than it might have been and means it won’t take me long to top up the YNAB pot for car spends again 😊
£5.13 sent to OP this evening from slow uptick on QM33 over the last week or three.Lounge is turned around and feels huge! 😊 Mr KK has been working really hard in this over the last couple of days - don’t really feel like I am pulling my weight on this project as I have been late home from work the last two nights (today I had a flat battery on the courtesy car - left the lights on 🙄 so had to wait to be rescued by the big yellow van). We have one bookcase to relocate to make space for the fireplace so maybe I can put my mind on that ….
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.3 -
Did some financial updates / catching up after my shower (couldn’t take any more of the IoM TT recordings Mr KK is catching up on) and discovered that the nice building society had sent us two lots of £100 Fairshare payments! Colour me amazed!! One got swept off to joint savings (just tipped over £1K now) and then sent the other straight off to an OP ❤️ Whoop! 😊
KKAs 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.4 -
I did manage to find a location for the final bookcase that needed shifting from the living room to make space for fireplace building - Mr KK impressed 😊 We emptied and moved it whilst our respective brews were cooling down when I got home this evening. I have also almost reloaded my big bookcase - lovely finding things I had forgotten about and where it is now is much more accessible 😊New drawings for the new fireplace / hearth / wood burning stove structure are being created, through deep cogitations on the far end of the sofa … ❤️
KKAs 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.3 -
KajiKita said:Did some financial updates / catching up after my shower (couldn’t take any more of the IoM TT recordings Mr KK is catching up on) and discovered that the nice building society had sent us two lots of £100 Fairshare payments! Colour me amazed!! One got swept off to joint savings (just tipped over £1K now) and then sent the other straight off to an OP ❤️ Whoop! 😊
KK2 -
penny_less said:KajiKita said:Did some financial updates / catching up after my shower (couldn’t take any more of the IoM TT recordings Mr KK is catching up on) and discovered that the nice building society had sent us two lots of £100 Fairshare payments! Colour me amazed!! One got swept off to joint savings (just tipped over £1K now) and then sent the other straight off to an OP ❤️ Whoop! 😊
KK
KKAs 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.4
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