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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ooh veg seed order - just to say I have used lots of mainstream people for years but last year I changed to Kings Seeds

    They are relatively local to us and sell in both domestic and commercial quantities (so be careful if you look) - very impressed with the service, seeds and produce. I did get some in a garden centre and thought to myself, I wonder if they sell direct - well they do and good value too
    Hi SL  :)

    It's the King's Seeds catalogue I am planning to order from, so thank you for that reinforcement  :) My very serious gardening friend recommended them to me last year.

    KK 
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great find on snowdrops and vouchers. Glad things are improving
    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
  • ooh good news on the snowdrops 
  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Aaaand my signature hasn't updated .... Bah!
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • I have never worked out how to do mine.  
  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hi @Suffolk_lass :) and thanks for the link to 'Growing your own' - now bookmarked!  :)

    I tried all that but the system didn't change what was shown. Might it be because I tired to include emojis? 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    2nd attempt at signature update ....

    - Got my seeds order in! Only thing I couldn't order was Kalettes ... would like to track some down somewhere ...
    - Lifted, cleaned and replanted lots of strawberry plants where they will be easier to keep weed free and get more sun. Bagged up c. 8 for a colleague in work  :)
    - Hubby installed my Christmas present in the front door - 2 panes of painted glass that my artist friend did as a surprise commission on instruction from hubby - it looks lovely  :)
    - One from yesterday - tried roasting some baby spuds in the oven with one of the million frozen portions of the 'breakfast mince' that I can't bear to eat at breakfast - and it was pleasurably edible - Result!  :) 

    Right, time to make my lunch and breakfast for eating in work tomorrow and a brew before lolling on the sofa ready for another insanely busy week!  :)

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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