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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 10,198 Forumite
    10,000 Posts Fifth 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 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - 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 38 books of target 52 in 2026 as @ 2nd June. 
    Produce tracker: £139 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. 
  • savingholmes
    savingholmes Posts: 29,208 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 £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • ooh good news on the snowdrops 
  • KajiKita
    KajiKita Posts: 10,198 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Aaaand my signature hasn't updated .... Bah!
    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - 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 38 books of target 52 in 2026 as @ 2nd June. 
    Produce tracker: £139 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. 
  • I have never worked out how to do mine.  
  • KajiKita
    KajiKita Posts: 10,198 Forumite
    10,000 Posts Fifth 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 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - 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 38 books of target 52 in 2026 as @ 2nd June. 
    Produce tracker: £139 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. 
  • KajiKita
    KajiKita Posts: 10,198 Forumite
    10,000 Posts Fifth 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 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - 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 38 books of target 52 in 2026 as @ 2nd June. 
    Produce tracker: £139 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. 
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