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Mellow Fruitfulness

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Comments

  • beanielou
    beanielou Posts: 98,052 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    Not my OAT but a genuinely significant one ….
    ….
    …
    .

    Mr KK has started sorting out his bedroom!! 
    He’s doing 30 minutes a night (at my suggestion) and although I can’t see any actual change in there yet, a lot of ‘stuff’ has already left! 😊👏🎊🎉🥳❤️

    KK
    That’s a real biggie. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 9,432 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    beanielou said:
    KajiKita said:
    Not my OAT but a genuinely significant one ….
    ….
    …
    .

    Mr KK has started sorting out his bedroom!! 
    He’s doing 30 minutes a night (at my suggestion) and although I can’t see any actual change in there yet, a lot of ‘stuff’ has already left! 😊👏🎊🎉🥳❤️

    KK
    That’s a real biggie. 
    Thanks Beanie, I’m very proud of him for this. He’s had a real mental block about it 😊

    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. 
  • greenbee
    greenbee Posts: 18,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    PennysIntoPounds said:
    And maybe even some bits unearthed that could be flogged towards an OP...
    Oh dear … 😂😂😂 I admire your optimism … You’ve not met Mr KK have you …? 🤔😉😊😂

    KK
    Are you firing up the incinerator?
  • KajiKita
    KajiKita Posts: 9,432 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    greenbee said:
    KajiKita said:
    PennysIntoPounds said:
    And maybe even some bits unearthed that could be flogged towards an OP...
    Oh dear … 😂😂😂 I admire your optimism … You’ve not met Mr KK have you …? 🤔😉😊😂

    KK
    Are you firing up the incinerator?
    Incinerator?

    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. 
  • greenbee
    greenbee Posts: 18,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    greenbee said:
    KajiKita said:
    PennysIntoPounds said:
    And maybe even some bits unearthed that could be flogged towards an OP...
    Oh dear … 😂😂😂 I admire your optimism … You’ve not met Mr KK have you …? 🤔😉😊😂

    KK
    Are you firing up the incinerator?
    Incinerator?

    KK
    I assumed that if the contents of Mr KK's room weren't saleable they were hazardous waste :)
  • greenbee
    greenbee Posts: 18,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lick mats and kongs done. Pretty much staying awake in order to get them into the freezer. I may get another pumpkin cooked in a bit. 
  • KajiKita
    KajiKita Posts: 9,432 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    greenbee said:
    KajiKita said:
    greenbee said:
    KajiKita said:
    PennysIntoPounds said:
    And maybe even some bits unearthed that could be flogged towards an OP...
    Oh dear … 😂😂😂 I admire your optimism … You’ve not met Mr KK have you …? 🤔😉😊😂

    KK
    Are you firing up the incinerator?
    Incinerator?

    KK
    I assumed that if the contents of Mr KK's room weren't saleable they were hazardous waste :)
    Oh I see 😊

    There’s a large black bag slowly filling up in there and I suspect the washing machine may well be pressed into busy service this weekend! 😉

    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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,814 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    KajiKita said:
    PennysIntoPounds said:
    And maybe even some bits unearthed that could be flogged towards an OP...
    Oh dear … 😂😂😂 I admire your optimism … You’ve not met Mr KK have you …? 🤔😉😊😂

    KK
    Keep the dream alive KK 😁
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
  • Rhyddid2026
    Rhyddid2026 Posts: 971 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I am publicly declaring that I will definitely get those two boxes of books and the two vnted sales to the shop tomorrow to be posted! It's been far too long already. I'm WFH and I have gaps in my day so absolutely no excuse! That has to be my absolute number 1 priority. 
    Debts                04/01/25       02/02/26  
    Natwest2           £6,509.97      £5,100 
    NatWest CC      £7,612.74       £6,535
    Lloyds CC          £6,112.60      £4,450
    1st Direct CC     £176.03         £3.53
    CC total             £20,411.34    £16,088.53
    TSB OD             £500              £0
    1st Direct OD     £600             £0
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44    £7,655
    Total                  £36,195.78    £27,743.53
    EF £1,100.13
    HF £101.43
  • Rhyddid2026
    Rhyddid2026 Posts: 971 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    It is done!
    Debts                04/01/25       02/02/26  
    Natwest2           £6,509.97      £5,100 
    NatWest CC      £7,612.74       £6,535
    Lloyds CC          £6,112.60      £4,450
    1st Direct CC     £176.03         £3.53
    CC total             £20,411.34    £16,088.53
    TSB OD             £500              £0
    1st Direct OD     £600             £0
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44    £7,655
    Total                  £36,195.78    £27,743.53
    EF £1,100.13
    HF £101.43
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