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Steadily climbing the mountain, enjoying the view along the way
Comments
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Hope the assessord were suitably impressed with all the progress you've made!
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Hope it's over and all went very well.
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"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅🏅🏅🏅1 -
Hope the H&S assessment went better than you were expecting KK.
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Thanks @skint_spice, @Cheery_Daff, @Brie, @Brewerspride 😊
It went okay but was INTENSE! The assessor was hugely knowledgeable, had done a role like mine before in aerospace and was throwing out really useful suggestions, as well as compliance requirements, like confetti! I had 3.5 pages of action notes, my assistant had two and there is no overlap! 😳
Relieved it’s done!
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.6 -
That sounds like the assessor recognised improvements & wished to help which sounds like a good thing. Hope I am right. Well done!
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That’s a fair summary 😊
In spite of sleeping well last night, I am so tired now … 🥱
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.2 -
I have done the most dreadful thing …. 😳
When I come down first thing I open the door to let Chloe out, then I unlock the cat flap, draw the curtains and go about my day …
This morning I forgot to unlock the cat flap. Poor Chloe has been locked in all day!!! 😢 Poor cat, I feel dreadful. No wonder she was so wired when I got home this evening …KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2026 as @ 23rd October.
Produce tracker: £348 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.6 -
These things happen. Try to not to beat yourself up too much. We are all only human. 🤗
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.[/b] [11 months left.[/b]2 -
That's why I have one on a timer. But better you locked her in than out!
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Chloe will seek revenge. Furry tyrants do not forget these matters!
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!4
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