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Here’s where the story ends…

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Comments

  • KajiKita
    KajiKita Posts: 9,451 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh thats’s just beautiful… 🤩 I want to be there … I can just smell those trees from that photo … <wistful> 😉

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 9 books of target 52 in 2026 as @ 27th January 
    Produce tracker: £36 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: 9,451 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Please give cutie a scratch from me ❤️

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 9 books of target 52 in 2026 as @ 27th January 
    Produce tracker: £36 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: 13,652 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    She thanks you KK!
    Mortgage OP 2026 £350/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £32,990

    Make £50 a month Jan £20
    Boiler fund £1225/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • 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 goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £128.27/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • skint_spice
    skint_spice Posts: 13,652 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £350/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £32,990

    Make £50 a month Jan £20
    Boiler fund £1225/3000

    ”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: 9,451 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    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 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 9 books of target 52 in 2026 as @ 27th January 
    Produce tracker: £36 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: 7,801 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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: 13,652 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £350/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £32,990

    Make £50 a month Jan £20
    Boiler fund £1225/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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