We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Steadily climbing the mountain, enjoying the view along the way

11214161718

Comments

  • KajiKita
    KajiKita Posts: 9,306 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    beanielou said:
    Fantastic projection on the mortgage. 
    Thanks Beanie 😊
    It’s given me a real lift and with Mr KK being soooo excited about booking his spitfire flight, the atmosphere here is remarkably cheerful for mid January! 😊

    Finished work for the week 🥳
    Popped into town, dropped off an end-of-land returns parcel and picked up some bits of food in two health shops. Treaty but healthy 😊

    First wash of the weekend on. 
    About to go and pull the kitchen apart to allow the plumber to come in and service the boiler later this afternoon. 
    Once I’ve got that organised I will be out in the garden planting the bare root geulder rose and spindle plants that arrived yesterday to fill gaps in the veggie patch hedge. If I still have time after that, I will start relocating the large aquilegia that have colonised one of the veggie beds down to by the pond 😊

    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 7 books of target 52 in 2026 as @ 23rd January 
    Produce tracker: £29 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. 
  • KajiKita
    KajiKita Posts: 9,306 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Got the hedge plants in, which was something of a wrestling match! Also made a start on relocating the aquilegia to down by the pond. That veg bed will be the garlic bed this year 😊

    I have a lot of cooking to do this weekend: two batches of work soups (last week’s experiment of making my own worked beautifully 😊) and a veggie roast thingamee from the Gaia recipe book 😊

    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 7 books of target 52 in 2026 as @ 23rd January 
    Produce tracker: £29 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. 
  • Brie
    Brie Posts: 16,187 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    remind me when the spitfire flight is going to happen and if you're going to be there?
    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
    ⭐️🏅😇🏅🏅🏅

    STRUGGLING DURING THE HOLIDAYS?? 
    click here for ideas on how to cope....Some websites and helplines if you're struggling this Christmas — MoneySavingExpert Forum
  • KajiKita
    KajiKita Posts: 9,306 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Brie said:
    remind me when the spitfire flight is going to happen and if you're going to be there?
    Probably August and no, he’s going to go on his way to France at the beginning of the annual beer and battlefields road trip with his best man 😊

    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 7 books of target 52 in 2026 as @ 23rd January 
    Produce tracker: £29 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    Brie said:
    Did you sleep better??
    I did but because I think the reason for my disturbed sleep is anxiety. I did a Tai Chi energy settling exercise before getting into bed and used the 4:7:8 breath once in bed, both on Sunday and last night and that seemed to really help. I'm going to continue these practices (they take seconds) and see if they continue to help as I think I am still dialling down my fight / flight response from the sociopathic ex, three redundancies, Covid times, getting Covid 3 times and how badly that aged me, the crazy-job etc etc. I think 'gibber' / intense had become my default state and I need to, gently, dial that down, so my body feels safe. If that makes sense, it does to me :) 

    KK 
    I feel like I'm in the same battle here for similar reasons...I listened to my audiobook last night and fell asleep about five minutes in and slept more soundly than I have in months. I might switch to listening to a meditation before sleeping. Otherwise I can lay there all night fretting about something or other. I feel like I'm in flight mode most of the day (would love to know why I don't lose any weight with all the running in circles I do 😉🤣). 
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £128.27/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • beanielou
    beanielou Posts: 97,885 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    Realised that I hadn’t checked the mortgage balance yesterday (after usual monthly payment has gone out as well as Mr KK’s OP). Down to £222K. Being below £200K this year seems possible, maybe …?? 😊

    KK
    Absolutely it does. 
    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.
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 7,512 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    KajiKita - kudos for trying out new recipes and recipe techniques 👍 How many was the soup to serve?  As it happens, I would have done exactly the same as you, and used a 'lesser' bean for the base, and kept my 'as per recipe' beans whole for the finished soup.  Some potato would have done the same job for you - and if it felt like you'd left it too late to cook 'chunks' of potato, grating raw potato would significantly reduce the cooking time, and when blitzed, no-one would be any the wiser you'd used it.  I tend to pop a spoonful of sugar in when making tommie sauce.  I tend to put it in at the start of cooking, and it rounds out the tomato acidity - you can usually tell when I've forgotten to add it in - unless I've benefitted from some really sweet carrots, or perhaps lobbed a parsnip in or something.  Blitzed down you can't tell - and for us, it gets extra veg into LG 😁

    Greying X
    Grocery Spend January 2026 £175.39/£300
    Non-food spend January 2026 £20.32/£80
    Bulk Fund 2026 Month 1/12 - £0/£120
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.3K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.9K Spending & Discounts
  • 246.3K Work, Benefits & Business
  • 602.5K Mortgages, Homes & Bills
  • 177.9K Life & Family
  • 260.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.