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Steadily climbing the mountain, enjoying the view along the way

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  • Merlin's_Beard
    Merlin's_Beard Posts: 1,807 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    I see it now! 😂
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • Brie
    Brie Posts: 17,683 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I'm trying to remember which author cut a coat in half to leave a cat undisturbed.  Marvellous pic! Love Humdinger xx 
    I'd read that it was a Chinese emperor.  Sleeping cats are everywhere!!
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

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  • Brie
    Brie Posts: 17,683 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well done on the Bedford sale and how lovely of you to offer up your soup.  Sounds like Mr KK might have new buddies?  
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇🏅🏅🏅🏅🏅🏅
  • KajiKita
    KajiKita Posts: 10,742 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    edited 10 January at 5:57PM
    Brie said:
    Well done on the Bedford sale and how lovely of you to offer up your soup.  Sounds like Mr KK might have new buddies?  
    It would be nice - they are lovely people. In all honesty, that’s partly why I offered them lunch … 😉

    @f0xh0les, I think we almost own over 50% of the house already (it’s worth c. £430K to £450K or so) but being below £220K outstanding by Easter will be wonderful … 🤩😊

    Not frying any sage leaves (didn’t think of it) but have saved quite a few which I am drying slowly on an open tray by a radiator 😊 I did find three bits of rooted stem that I was able to pot up as ‘cuttings’ so the Mother plant will continue here … 😊❤️ Honestly, Sage grows so crazily well here, I think I need to dig it out completely every 3 years or so. This one had been in for maybe 5 years and the main stem was at least as thick as my wrist, if not more and was taking over the woooorld!  😳😂

    Actually, do you have a recipe for the chunky corn, potato and butter bean chowder? 😊 Sounds good! 

    KK


    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2026 as @ 10th September. 
    Produce tracker: £315 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: 7,281 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Enormous congratulations on the Bedford sale, hurrah and huzzah!
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,995 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yay! To the sale! I think that was worth handing over your soup for. 😆
    Well done on the huge OP and in January! Brilliant news!

    I have a tonne of sage, I always grow it, cut it in bulk and bind it and dry it out and use as sage sticks 😊 sometimes I'll add lavender in or roses 🌹.
    Emergency Fund - £1000 
    Baby cash emergency fund £210/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 24/24

  • beanielou
    beanielou Posts: 101,140 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Woohoo. That’s fantastic news. So pleased for you both. 
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 13 months left.
  • Cheery_Daff
    Cheery_Daff Posts: 18,794 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OOh, congratulations, that's excellent news! I would have given them my soup lunches too :lol: Hope the other person from the other day is regretting being so fussy!

    I've got a big woody sage too, and I was just wondering today about propagating, oddly enough. When the snow's gone I'll have a look to see if there are any rooted bits. 
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