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Mortgage free in Forever Home :-)
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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 £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/254 -
Loved the crispmouse reference and cat photo too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
Thanks @savingholmes 😊
I have no idea why there are so many posts in such a short time! Perhaps I am waffling?!🤔😂😉
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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.2 -
I blame the visiting posters.
sounds like a busy day for you.I like reading your book tally in your signature.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
What is the plan? Raised bed or dig down? Is it currently soil or grass?Merlin's_Beard 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?
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.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
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 😊redofromstart said:
What is the plan? Raised bed or dig down? Is it currently soil or grass?Merlin's_Beard 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?
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.
KK
As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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.2 -
I am unlikely to get it all done 😉redofromstart said:I blame the visiting posters.
sounds like a busy day for you.I like reading your book tally in your signature.
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 😊🤩
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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.2 -
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!KajiKita said:
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 😊redofromstart said:
What is the plan? Raised bed or dig down? Is it currently soil or grass?Merlin's_Beard 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?
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.
KK
ETA should say Charles Dowding not Fielding 😁3 -
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 whileMy mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
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.1
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