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Mortgage free in Forever Home :-)

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi KK - just caught up! 72 posts just from 21/12 to now. Hadn't realised it had been 'so long'! 

    Anyway glad you had a good Xmas and did what you wanted. 

    On the family thing I feel you. I'll PM you a couple of book suggestions that have helped me - although I too am still a work in progress.

    Well done on the OP and the money to savings. Hope you manage to rest and go into 2024 refreshed.
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Loved the crispmouse reference and cat photo too.
    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
  • KajiKita
    KajiKita Posts: 7,665 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks @savingholmes 😊
    I have no idea why there are so many posts in such a short time! Perhaps I am waffling?!🤔😂😉

    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. 
  • I blame the visiting posters.

    sounds like a busy day for you. 

    I like reading your book tally in your signature. 
  • Are you trying to tell me that where I went wrong last year was staring at my designated veg patch and then not actually doing much about it?
    What is the plan? Raised bed or dig down? Is it currently soil or grass?

    if it is soil or grass then there is value in skimming off the turf/weeds and turning the soil so that winter frosts and birds/worms do some of the work for you between now and spring. Depends if it's still too saturated to dig though. 
  • KajiKita
    KajiKita Posts: 7,665 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Are you trying to tell me that where I went wrong last year was staring at my designated veg patch and then not actually doing much about it?
    What is the plan? Raised bed or dig down? Is it currently soil or grass?

    if it is soil or grass then there is value in skimming off the turf/weeds and turning the soil so that winter frosts and birds/worms do some of the work for you between now and spring. Depends if it's still too saturated to dig though. 
    Or you can go the no dig route and lay cardboard down with a thick layer of compost over the top - Charles Dowding website and books are easy to follow. Redo is 100% right in saying if you start prepping now, whatever method you use, your ground will be ready to use come the spring 😊

    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: 7,665 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 27 December 2023 at 5:22PM
    I blame the visiting posters.

    sounds like a busy day for you. 

    I like reading your book tally in your signature. 
    I am unlikely to get it all done 😉
    Lentil and peanut butter loaf is in the oven 😊
    Mr KK has wrangled his chicken and I have put all the bones and scraps etc in the pressure cooker for stock. 
    I love all the visiting posters 😊🤩

    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. 
  • CCW007
    CCW007 Posts: 1,087 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    edited 27 December 2023 at 9:34PM
    KajiKita said:
    Are you trying to tell me that where I went wrong last year was staring at my designated veg patch and then not actually doing much about it?
    What is the plan? Raised bed or dig down? Is it currently soil or grass?

    if it is soil or grass then there is value in skimming off the turf/weeds and turning the soil so that winter frosts and birds/worms do some of the work for you between now and spring. Depends if it's still too saturated to dig though. 
    Or you can go the no dig route and lay cardboard down with a thick layer of compost over the top - Charles Dowding website and books are easy to follow. Redo is 100% right in saying if you start prepping now, whatever method you use, your ground will be ready to use come the spring 😊

    KK
    I took my my dad to a talk Charles Fielding gave which was fascinating and made it sound really easy. I need to get planning for veggie growing next year, after the kitchen is sorted!

    ETA should say Charles Dowding not Fielding 😁
  • redofromstart
    redofromstart Posts: 5,839 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 27 December 2023 at 8:18PM
    I'd love to go and listen to someone inspiring on planting stuff @CCW007 the closest I get is my Christopher Lloyd books

    @merlinsbeard if you are going for raised beds then you may get bargain frames, and then as @KajiKita says cardboard and compost on the grass and get ahead of yourself.

    Hope you like the lentil loaf @KajiKita, it was a regular thing here for a while
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Lots of post as we all have things in our pasts & in our families  that have caused upset & continue to do so.
    So it resonates with people~~including me.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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