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Steadily climbing the mountain, enjoying the view along the way
Comments
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Catching up. Love @Greenbee's answer, nothing to be gained and just more potential angst from saying what you really think imho.
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 !!2 -
Am shocked by the minister's behaviour. Perhaps s/he thinks that toxic behaviour will be turned on them if they don't subscribe. Unless you feel prepared to discuss (casually, I agree)with minister and refer upwards if necessary, I think the perpetually busy route is best, if that feels right to you. Love Humdinger xx
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Morning @KajiKita catching up again…
pleased that you enjoyed reading Vianne. Congratulations on the PB win. Saving over £10,000 interest due OP's is fantastic. I planted my sweet peas late this year, so a little envious that you are already picking yours 😊 I am not going to comment on the situation with the minister, but hope that it resolves itself soonest and with minimum impact on all concerned. Loving your gardening updates. Take care x
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Would agree that if the only possible outcomes are bad, and it affects how others treat you, you've not got much to gain by being honest. Kicking the can politely down the road repeatedly until she gets the message seems the softest rejection possible!
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: +14 -
Thank you for all the input about the WWYD scenario with the text message. I haven’t replied as I genuinely forgot …
It’s been an intense week. We are still dealing with the fall out of the accident last week (and it’s likely to get worse) and I was told on Wednesday that my boss (the guy who gave me the chance and I got on really well with) has concluded that he will not be able to recover enough to return to work so is in legal negotiations about some kind of settlement / early retirement. I’m gutted as I really enjoyed working for him and he needed these years to refill his retirement fund after two divorces …
I went to the gym before work on Wednesday but I don’t think I will try that again. It’s left me so tired and snappy with everyone for the rest of the week and this afternoon, after eating some lunch I absolutely crashed into sleep for two hours. I’m really struggling with this latest hot spell as it is warm in the house now and just staying that way …
Mr KK is away at a bike rally and I’m glad as I really need these days as alone time to get my head straight if I can. I’m debating making up some kind of bed in the living room tonight.
Overall I am hot, tired, frustrated and fed up!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 66 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 -
Hope you have a good night's sleep and feel much more centred tomorrow, that sounds an exhausting lot of things
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Thank you x
I’ve just taken some paracetamol, alongside the regular dose of ibuprofen for my shoulders, as I’ve realised I have a headache. Sometimes that helps with temperature regulation as well, I find, so maybe that will help 🤷♀️
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 66 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.5 -
Oh and this may be stating the meddling obvious, but I have put a jug of water, with a foil cap on it, in the fridge, so have access to chilled, rather than room temperature water. Not sure how actually effective it is but it has cheered me up a little. It’s not fully chilled yet, I think because of the thermal mass of the jug itself, but by tomorrow morning it should be lovely and cold 🥶 ❤️😊
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 66 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 -
If your hair is long enough to put in a bun, me and my pub pal have been putting ice cubes in our hair, it's a little dribbly but frankly cold dribbles down the scalp, neck and back are welcome when it's too hot!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty9 -
I don’t do buns as I have too many layers, I use a clip.
That actually makes you feel cooler? Where do you put the ice cubes? Tuck them in the top of the bun?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 66 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.5
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