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Steadily climbing the mountain, enjoying the view along the way
KajiKita
Posts: 10,062 Forumite
I have been pondering for a while stating a new thread, as at 700+ pages my old one is getting very long and doesn’t feel so aligned with where I am now.
2026 is going to be about getting myself to as healthy and happy a place as I can. Life is short and my inherent perfectionism means that I tend to want to achieve, immediately, which with a mortgage as big as ours is just not practicable and means I am putting pressure on myself and creating anxiety which is not helpful. So, the title of this new thread reflects this - I’m steadily climbing the mountain towards being mortgage free, but I want to enjoy life along the way (without spending a fortune! 😉).
For those on MFW who don’t know me, I live with my husband Mr KK and a bossy cat called Chloe, in a little cottage with a big, scruffy garden more or less out in the country. We have a big mortgage and are getting older - Mr KK is 60 and I’m 55. In some ways I know we are on a fools’ errand having such a big mortgage at our age but it was always our dream to live somewhere like we do and we love it here 🤷♀️😊
2026 is going to be focused on:
- decluttering and making the house work better for us
- getting the veggie patch under better (not perfect!) control and growing more food for us (lots of bindweed and brambles.) I’d like more scent in the garden too 😊
- seeing friends and enjoying time with them
- Getting a bit fitter and healthier, it would be lovely to lose a stone, but let’s see how we get on (going gently with self imposed pressure here! 😉)
- crafting and reading instead of endlessly scrolling
Hope we all have a really lovely 2026 🤩
KK
2026 is going to be focused on:
- decluttering and making the house work better for us
- getting the veggie patch under better (not perfect!) control and growing more food for us (lots of bindweed and brambles.) I’d like more scent in the garden too 😊
- seeing friends and enjoying time with them
- Getting a bit fitter and healthier, it would be lovely to lose a stone, but let’s see how we get on (going gently with self imposed pressure here! 😉)
- crafting and reading instead of endlessly scrolling
Hope we all have a really lovely 2026 🤩
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 30 books of target 52 in 2026 as @ 4th May.
Produce tracker: £108 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.
- 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 30 books of target 52 in 2026 as @ 4th 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.
20
Comments
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Woohoo. A happy shiny new diary for you KK.Am along for the climb. XxI 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
Happy new diaryMy mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo4 -
Love the title, very apt4
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I'm here for the steady climb too 😄 hope 2026 is a great year for you!Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/244 -
Happy New Year and happy new diary Kajikita 😊 will be following along as usual. Willow4
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Joining for ideas too, currently at the bottom of my mountain such is currently too high to see the top of:eek::eek::eek: LBM 11/05/2010 - WE DID IT - DMP of £62000 paid off in 7 years:jDFD April20174
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Happy New Diary. Also joining your band of climbers!3
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I've packed the Kendal mint cake, the compass and the blister plasters. I'm here to join your merry band of climbers 🧗
Greying XGrocery Spend May 2026 £111.65/£200
Grocery spend April 2026 £199.95/£200 +5pence
Non-food spend May 2026 £41.72/£80
Bulk Fund 2026 Month 5/12 - £5.98/£93.54 (reducing balance - start £120 pa)
""Mother Nature don't draw straight lines
The broken moulds in a grand design
We look a mess but we're doing fine
We're card carrying lifelong members
Of the union of different kinds..."
"Union of the Different kinds" - R Christie & T Gilbert, Fisherman's Friends4 -
Happy new diary KK, nice to hear you sounding both focused and cutting yourself some slack 😊https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
KK and the climbers, love it!Greying_Pilgrim said:I've packed the Kendal mint cake, the compass and the blister plasters. I'm here to join your merry band of climbers 🧗
Greying X3
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