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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,665 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    CCW007 said:
    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 😊

    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!
    Is that Fielding or Dowding, @CCW007? I first heard of him when I was the programme secretary for a local garden society and booked him for a talk. His enthusiasm is infectious 😊

    I have been re-reading his Skills book over Christmas to try and plan for succession growing next season! 😉😊




    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
    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
    It’s good 😊 Had a piece of it with a fried tomato and some halloumi for dinner tonight 😊 I can see how adaptable a recipe it is and how you can riff on it 😊

    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
    beanielou said:
    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.
    Hugs Beanie x

    Plus gardening seems to resonate too 😉❤️

    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
    Charles Dowding, not sure if that was autocorrect or fat fingers!
  • I just had a look to buy a copy on kindle, and had a minor 'how much!' fit. 

    His 'veg journal' is £2.29 and I might just have to crack and buy that with my survey fun money.

    Ive read most of Georgette Heyers Tollgate today in front of the wood burner and made a cat (or two, mr Fluffy got a short sit in too) very happy.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love Dowding and G Heyer. 

    Enjoy getting the veg garden ready. I enjoy the initial enthusiasm stage but don't always then offer it enough care and attention for it to thrive. I have loads of seeds though.
    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
  • ladybird1106
    ladybird1106 Posts: 803 Forumite
    500 Posts Photogenic First Anniversary Name Dropper
    edited 28 December 2023 at 8:28AM
    Even though we've had a an allotment for years we are still learning,  great to pick up ideas from other people. We are just getting the hang of successional sowing but still a bit hit and miss.
    Love 🐞

    Grow your own: £14.66
  • KajiKita
    KajiKita Posts: 7,665 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I just had a look to buy a copy on kindle, and had a minor 'how much!' fit. 

    His 'veg journal' is £2.29 and I might just have to crack and buy that with my survey fun money.

    Ive read most of Georgette Heyers Tollgate today in front of the wood burner and made a cat (or two, mr Fluffy got a short sit in too) very happy.
    That sounds very civilised 😊❤️

    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 28 December 2023 at 11:25AM
    I love Dowding and G Heyer. 

    Enjoy getting the veg garden ready. I enjoy the initial enthusiasm stage but don't always then offer it enough care and attention for it to thrive. I have loads of seeds though.
    I have that initial burst of enthusiasm and lots of seeds thing too! 😂 We will have to hold each other accountable next growing season … 😉

    Even though we've had a an allotment for years we are still learning,  great to pick up ideas from other people. We are just getting the hang of successional sowing but still a bit hit and miss.
    Love 🐞
    You are further ahead of me then. I have got the hang of it at all yet. I will be reading your posts with interest 😊

    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. 
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