We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
We're aware that some users are currently experiencing errors on the Forum. Our tech team is working to resolve the issue. Thanks for your patience.

Mortgage free in Forever Home :-)

178101213736

Comments

  • KajiKita
    KajiKita Posts: 10,062 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 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - 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 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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: 29,178 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) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.3K updated 17/4/26
  • ooh good news on the snowdrops 
  • KajiKita
    KajiKita Posts: 10,062 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Aaaand my signature hasn't updated .... Bah!
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - 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 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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: 10,062 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 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - 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 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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: 10,062 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 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - 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 30 books of target 52 in 2026 as @ 4th May. 
    Produce tracker: £93 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. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.