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Mortgage free in Forever Home :-)
Comments
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I survived but am scratched to bits and shattered! Thank goodness is Mr KK’s night to cook dinner 😊
Before:
As at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.3 -
After:
Look what I found hiding underneath! 😊
Sown from seed year and years and three houses ago 😊
Feels like a tree again instead of a menacing blob! 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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 -
Love all the plants in that patch Kajikita, but I'm not sure what the one in the middle is - lovely though. Love how you've trimmed the tree. I need to do that to a couple of bush/trees we are growing - so much neater. I also need to do something with the dwarf apple - its gone wild this year and it definitely needs pruning. A visit to youtube might be needed."Think of many things, do one"
Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga1 -
By the plant in the middle do you mean the spade shaped leaves with white variegation? It’s Arum Italicum - the Italian version of our native arum.SandyShores said:Love all the plants in that patch Kajikita, but I'm not sure what the one in the middle is - lovely though. Love how you've trimmed the tree. I need to do that to a couple of bush/trees we are growing - so much neater. I also need to do something with the dwarf apple - it’s gone wild this year and it definitely needs pruning. A visit to youtube might be needed.I think apple pruning is only meant to be done over the winter when the tree is dormant. I’d take some photos from various angles now though and annotate with comments about what you do / don’t like about its shape, so you remember what you were aiming for when you are faced with a bare tree in the deep, dark, depths of winter … DAMHIK! 😉😂
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.2 -
Yes that one, lovely. Good thinking Kajikita, and I won't
It's just grown large and I think its supposed to be shaped/thinned, but photos are good and then I can check it out when have time in the winter. "Think of many things, do one"
Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga3 -
Looks lovely. You've created a lovely garden and are making the most of your borrowed landscape.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/251 -
It’s coming on but there are huge areas of scruffiness that you don’t get to see (yet!) …. 😉savingholmes said:Looks lovely. You've created a lovely garden and are making the most of your borrowed landscape.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.2 -
Just as a heads up, it is as toxic as our native arum. So something to wash your hands after handling and if you are worried about littlies eating orange berries, cut the flowering stem out in late spring.SandyShores said:Yes that one, lovely. Good thinking Kajikita, and I won't It's just grown large and I think its supposed to be shaped/thinned, but photos are good and then I can check it out when have time in the winter.KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.3 -
I will just say, when we moved here 4 years ago I was delighted to see this in our garden. Now though, I pull it up as soon as it pops up as it has taken over everything else. Fine if you’ve got the room, but I definitely haven’t!2
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I haven’t noticed that here so far. Must like your soil? 🤷♀️😊penny_less said:I will just say, when we moved here 4 years ago I was delighted to see this in our garden. Now though, I pull it up as soon as it pops up as it has taken over everything else. Fine if you’ve got the room, but I definitely haven’t!
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.2
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