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Here’s where the story ends…

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Comments

  • KajiKita
    KajiKita Posts: 11,042
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite
    Oh thats’s just beautiful… 🤩 I want to be there … I can just smell those trees from that photo … <wistful> 😉

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
    c. 18 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2026 as @ 7th November. 
    Produce tracker: £356 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. 
  • KajiKita
    KajiKita Posts: 11,042
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite
    Please give cutie a scratch from me ❤️

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
    c. 18 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2026 as @ 7th November. 
    Produce tracker: £356 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. 
  • skint_spice
    skint_spice Posts: 13,820
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    She thanks you KK!
    Mortgage OP 2026 £1990/2000
    Mortgage balance: £29,071

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £20



  • Wow at that view. Your pics make me want to sell up again. Stop it 😆😆 
    And for what it's worth I think you're doing it the right way, making sure the house is all yours before doing big things like the kitchen. This is a huge undertaking that I think DP and I both underestimated slightly 🫢🙈.

    Emergency Fund -£1000

    Grocery Spends -Oct £408/500. Nov £243.39/500

    Debts- CC 316, CC 3058.17, Kitchen loan 3857  

  • skint_spice
    skint_spice Posts: 13,820
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    This evening’s view when I went for a run, nice to see so many people out there enjoying themselves.

    Finally finished the housework when I got back!
    Mortgage OP 2026 £1990/2000
    Mortgage balance: £29,071

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £20



  • KajiKita
    KajiKita Posts: 11,042
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite
    Oh she’s gorgeous!! And she’s starting to fill out to the cat she will become 😊❤️🤩

    Lovely view, thank you for sharing 😊

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
    c. 18 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2026 as @ 7th November. 
    Produce tracker: £356 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. 
  • Watty1
    Watty1 Posts: 8,812
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Forumite
    love the cat - and the view. Makes me want to go to the local beach but will not go without WattyDog.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • skint_spice
    skint_spice Posts: 13,820
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Two very long and very hot days at work, so glad I am off tomorrow. Shame the weather is due to break but it’ll be better for a run I suppose.
    Mortgage OP 2026 £1990/2000
    Mortgage balance: £29,071

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £5, Nov £20



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