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Steadily climbing the mountain, enjoying the view along the way
Comments
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I'm glad I'm not the only one that saw that knitting and thought string bikini 🤣
Urgh I hope the work things settle down soon, and the washing machine! It would be impossible to live without one (even if I am as bad as Mr KK for leaving things in pockets that I shouldn't)
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: +12 -
I have good news to report! 🎊🎉🤩 The washing machine liveth!! Phew … I did a test this morning with it empty (so it wouldn’t be sat festering needing to be manually drained, for too long before Mr KK got home) and it worked. 😊
I chucked Mr KK’s wash on (after checking every pocket - which was quite a lot in 4 pairs of pockety work shorts … 🙄😂) and Mr KK’s wash is now on the line, which is a relief all round 😊I also got out early this morning and finished clearing the bit of bed under the contorted hazel I wanted to do and got three dahlias and a hyssop in the ground, well watered and well mulched 😊 I also undercovered, well watered and mulched some other little shrubs I have under there as well. I will have some before and after pics but need to do a bit more pulling of dead stuff and dead heading before I can take an after 😊
I’m now trying to psych myself up to go and make soup for work lunches …
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.8 -
Woohoo on WM.
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.1 -
Just a bit!! Such a relief both for the hassle factor and potential costs … 😊
Two batches of soup made - leek and yellow split pea and a red lentil and carrot one. The lentil one is supposed to be made with gammon stock so I think making it with veggie stock might mean it’s a bit insipid … I’m wondering if there is anything I could add to perk it up a bit … 🤔
EDIT: Added a goodly dose of chopped rosemary to the just taken off the heat soup - should still be bit enough to ‘steep’ the rosemary and then I can blend it in later 😊 The rosemary is sooooo spicy and oily atm with all the sun, it’s off the charts! 🤩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.4 -
Excellent washing machine news, hooray! 🥳
1 -
I have a lentil and tomato soup that uses cumin, so maybe a bit of spice paste? You've reminded me to start making soups for lunch too. Do you batch them up in individual portions for the freezer? I think I may need to buy a few more containers.
ps - great news about the washing machine. Ours is 6 years old (which feels quite new as our old one was ancient), but it has a few tantrums about spinning randomly. I've emptied out paperclips and a screw etc. on occasion.
"Think of many things, do one"
DFW 2019: MFW now: end Sep £166k £310k 2020 (MFW end 2038 to 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga1 -
I bought a couple of different types of container from land of lake or big river - one is a push down lid and the other is screw top. Both work well and across two batches of soup (so I’m not eating the same thing EVERY day) I use them all. 😊 They are easier to fill (jam funnel), store in the freezer and devant into my soup mug than the flatter takeaway containers. I was worried about the upfront cost if I didn’t use them, but I think I have already had my money’s worth out of them 😊
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.3 -
I have been running some numbers this morning … as you do when procrastinating …. (I'm bored! 😉) and I have deduced that:
- With my steady OPs of £210 pcm that I am managing atm, they will take another year and 9 months off the term
- If I manage an extra £10 pcm OP'd regularly, it would take another month off the term (I need to get back into surveys etc ….!)
- By the time we get to re-mortgaging in late 2030 (I will be just coming up to 60, Mr KK will be 65.5), we will be down to a balance of c. £125K
- It looks like I could potentially take that mortgage on by myself if Mr KK needs to stop working or work less by then - he doesn't get his state pension until 67, but is already starting to creak / slow down.The above is still a little depressing but juuuuuust starting to feel doable 😊 and it has stopped me reacting to an offer from Tr0p1c that came through this morning - I shall wait a while longer! 😉
Right, time to do some actual work …. 🤣
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.7 -
60 in 2030? My! You are a spring chicken!!!
Inspired by comments here I cleaned our washing machine a bit and came up with a missing button from a duvet cover and one of those collar stiffeners from one of the OH's good shirts.
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
⭐️🏅😇🏅🏅🏅🏅🏅🏅3 -
It's only 4 years from now!! 🤣🤣😉
It's amazing what our washing machines put up with from us …. 😊
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.4
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