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Thank god we paid the mortgage off

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Comments

  • KajiKita
    KajiKita Posts: 10,076 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Well done to eldest and to you for diagnosing issue with the raised bed. You did well to get your steps in yesterday - I definitely didn’t! 😂 I will be trying harder today.

    KK

    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 31 books of target 52 in 2026 as @ 7th May. 
    Produce tracker: £108 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: 8,228 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Catching up, late to the party as ever was thus, but, congratulations on the anniversary. I love that you give the same cards each year.

    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 !!
  • Cherryfudge
    Cherryfudge Posts: 15,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    Congrats to your eldest! What an opportunity!

    That sounds like a fair amount of work at the allotment, especially when it's so cold. Is it time to prune currants? I have some that were neglected for years and I've been trying to get them into shape but admittedly haven't thought of them over winter.

    I think a mental break for decluttering may give you a fresh perspective for it. I'm still waiting for some sunshine so I can take good photos before listing any more!

    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Cherryfudge
    Cherryfudge Posts: 15,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    I wrote the above the other day and somehow didn't send it, then found it waiting to be posted just now. Oops!

    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
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