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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,788 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I survived but am scratched to bits and shattered! Thank goodness is Mr KK’s night to cook dinner 😊

    Before:

    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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. 
  • 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 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • KajiKita
    KajiKita Posts: 7,788 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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.
    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. 
    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! 😉😂

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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. 
  • 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 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • 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 £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,788 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Looks lovely. You've created a lovely garden and are making the most of your borrowed landscape.
    It’s coming on but there are huge areas of scruffiness that you don’t get to see (yet!) …. 😉

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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: 7,788 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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.
    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. 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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 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!
  • KajiKita
    KajiKita Posts: 7,788 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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!
    I haven’t noticed that here so far. Must like your soil? 🤷‍♀️😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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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