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Steadily climbing the mountain, enjoying the view along the way
Comments
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It is 😊
Very busy day in work. I have been organising a supplier to take a huge wodge of material back from us to inspect it as it is not very good quality, the customer is fretting about it and we don’t have the space to inspect it any time soon. I think everyone in the business is getting a bit fed up of the work this entails but I can’t see better option to protect the customer … 🤷♀️ (to be fair, my quality engineer said something similar). Frustratingly that meant I didn’t get chance to go for a walk at lunchtime even though the monsoon had passed and it was dry … sigh …
Caught up with all my financial updates this evening and I can see I am £74 below the grocery budget for the month - not quite the £82 I used in tosco vouchers at the beginning of the month, but I am happy to divert that to an OP once I get paid at the end of the week 😊
KKAs 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.7 -
A few little wins from today 😊
- Did my chair squats and free weights before going to work today.
- Running around at work and a quick 10 minute walk at lunchtime has got me to 8.5K steps which is slightly over my minimum target. 🚶
- I’m enjoying an online permaculture course atm created by Huw R1chards. One task he sets you is to define your vision / mission statement for your gardening or growing and put it somewhere you see it every day. I came up with the statement last week but couldn’t work out how to display it until this evening - it’s a bit heath robinson, but it will do 😊
🤩
KKAs 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.9 -
Aw that's lovely. Very much enjoying your interiors too 😁
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
My bedroom is unashamedly FLORAL!! 😉🤩😊
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.5 -
Great intention.
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. 19months left.2 -
Love that intention!
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 -
Was going to say I like your top. And then I saw your angel/belle of the ball. And then I saw your mushroom. Love them all!!
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
⭐️🏅😇🏅🏅🏅🏅🏅1 -
Thanks @beanielou @Merlin's_Beard 😊
Thank you 💃
Both the angel and the mushroom were presents from friends. The angel / fairy came as a Christmas present a few years ago but I was loathe to hide her away after Christmas and it was quite a whimsical gift from such a serious friend (the gardening one) it always makes my heart smile to see it 😊
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.4 -
Love the intention but I did read it at first to mean that you produce relish 😁
2 -
Hahaha … Fair dos, that made me chuckle 😊
It’s been a crazy hectic morning in work:- supplier meeting to confirm rework and inspection process we need from them to recover stock they made as poor quality - went well, we have a plan! 😊
- Much rushing around drafting a quality response document to a major quality issue we had stuffed up. My boss was raging this morning and I was having to pull him back down to earth - I agreed with him about the levels of idiocy and incompetence we have shown, but we need to focus on how to fix, not just shout and rage … 😉
- Customer visit about that ^^ quality issue - they didn’t even look at the document I’d prepared (that was fine, the customer didn’t want a formal meeting in that way) and we were all very focused on how to fix and in what timescale. Meeting overran my usual Friday finish time …
Whizzed past home to collect my new prescription 👏
Put a wash on, finished off the soup I made from leftovers yesterday evening (fridge gravel and cheese) and warmed it through for my lunch with some toast.
Plumber landed (finally!) so the house has been in uproar ALL afternoon!! The job is STILL not finished … 🙄 (some tray or other needs fitting inside the boiler? won’t happen today so he still won’t bill us … 🙄🤷♀️) but the lounge radiator is now on half inch pipe and plumbed more directly so should run warmer … 🤞
When the worst of the heavy duty drilling was happening, I escaped into the garden for a bit. Rain stopped play fairly quickly, but I did manage to broad fork the bed I cleared last weekend and spread HM compost on it, so a crumb more progress has been made 😊 I also watered the greenhouse.I then boxed up the rest of the soup (3 portions for work lunches) and cleaned and renewed the water filter jug 😊 Washing retrieved from a slight drying session in the garden and TD’d to damp - finishing off on the heated airer 😊
In more MSE type news, I sent £4.03 from surveys off to an OP along with a 77p TT 😊
I also rang c00p this afternoon and our minimum payment has reduced enough now that our auto OP from paying a set value each month, has now increased from £47.51 to c. £80 pcm!! 😊🥳🎉🎊 Delighted with that!
Meals plan for the week is defined and Mr KK has decreed that it will be a chippy tea tonight as the plumbing task has overrun so much …!
KKAs 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.4
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