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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your garden sounds lovely - I am a great believer in companion planting. In one of my first gardens I made a bit of a compost heap - added newspapers then sowed beans and nasturtium directly on top  and then spread grow bag soil over the top of that. I am a great believer in 'no-dig' solutions too. In an ideal world I would have a smallholding so this  year is a great time to get started in veg growing (we already grow fruit).
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • woodfired
    woodfired Posts: 404 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Oooh thats interesting SH, funnily enough, we have a few compost heaps round the back of the garage.  A few are rotten and collapsing and we are planning to replace them but I may be able to plant some veg in the remaining ones.  I hadn't thought of that! Thank you! I do think we are going to go down the companion planting route, eventually we will get some extra 'proper' beds put in but for now we will try that. Thanks again.
    New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
    Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
    Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 2025
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 18 April 2020 at 1:48PM
    Glad the suggestion helped. I believe its called a hot bed when you do that. Also beans are great for fixing nitrogen in the soil so that will help too with future planting.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • woodfired
    woodfired Posts: 404 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    If the damn things ever sprout SH! :lol:  Planted several from different old packets and no success yet.  Have found a seed website promising quick delivery so have ordered 7 packs of veg seeds.  Hopefully will be here soon so we can get them going.  


    New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
    Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
    Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 2025
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The seeds can take 14-21 days to sprout - give them time. Yay to a big shop - and then not having to go again. So pleased for you that your shop is still going well. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    It all sounds wonderful Woodfired - I knew you wouldn't regret the move.  We've been having video calls with the family too.  It's so nice to 'see' faces.

    Like you, I'm saving indoor chores for when the weather changes which I think will be this afternoon for us.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The shed sounds awesome. My DH would love something like that. He has what should be the dining room currently as a study though so he's doing okay. We are currently trying to empty the shed a little so he can do some woodworking. The kids also want to do that. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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