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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 8,572 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I’ve had a productive two or three hours in the garden 😊
    - Pruned the purple Maple
    - weeded, re-edged and bark mulched my mini border that the bay tree is in
    - weeded and cleared the bed with the relocated rose and a loganberry by the greenhouse - will need mulching when the sterile mulch turns up 
    - cleared quite a bit of rubbish, dead grass etc from the slabs in front of the greenhouse 
    - pruned purple berberis and two other shrubs I don’t know the names of to let more light into that border
    - massively pruned the horribly prickly rose on the pergola (discovered two hazel saplings that will need to be hoicked out at a later date!)
    - tried to rescue a very soggy bumblebee - to some degree a pointless exercise (it wasn’t a queen, just a worker) but I couldn’t leave her cold, wet and miserable 

    Hoping to sow some onions this afternoon 😊

    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 61 books of target 52 in 2025, as @ 4th November 
    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. 
  • redofromstart
    redofromstart Posts: 5,955 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Sounds like a really productive day. We had to go out visiting and by the time we got back it was raining so I read about gardening instead of doing it. I suspect I should be retrieving the brown cardboard from the recycling bin for my no dig bed plans but it really is tipping down. 
  • KajiKita
    KajiKita Posts: 8,572 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sounds like a really productive day. We had to go out visiting and by the time we got back it was raining so I read about gardening instead of doing it. I suspect I should be retrieving the brown cardboard from the recycling bin for my no dig bed plans but it really is tipping down. 
    I was lucky - we had zero plans for today so I was able to just play and make the most of the dry weather before heading back to W-word tomorrow…. 

    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 61 books of target 52 in 2025, as @ 4th November 
    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. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    KajiKita said:
    Talked through my decluttering / cleaning plans with Mr KK and showed him my list - tbh I was surprised that he was interested 😉
    We both have dry and wet weather tasks that we can use as a spur to get stuff done over the next few months. I was aiming for 12 decluttering tasks so it would run at a rate of one per week / weekend, but I am up to 15! And I suspect that there should be more  😳😂
    I think, where I can, I will try and nibble one or two partial steps of each tasks during the weekday evenings as well. I am giving myself the summer off though - once the clocks change I will need to focus on the garden. Expecting myself to do any more than the bare minimum housework each weekend then would be unrealistic…..

    KK
    Sounds like a positive doable plan.
    The weird hall cupboard could be great for your herbs etc.
    Glad you had a fun YOU day ;)
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • KajiKita
    KajiKita Posts: 8,572 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    “ Sounds like a positive doable plan.
    The weird hall cupboard could be great for your herbs etc.”

    @LadyWithAPlan, unfortunately that cupboard is a touch damp, certainly very cold. I think that because it is recessed into the external wall it is actually single skin and so not effectively insulated. Probably picking up condensation from being open(ish) to the it hen with boiling kettles, pans etc. It’s okay for dry / sealed things but I have to be careful of overfilling it and not put damp sensitive things in there. 

    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 61 books of target 52 in 2025, as @ 4th November 
    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. 
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the gardening. The decluttering / clearing plans sound good too. At least once it's gone you have more hope of keeping on top of things. Trying to tell myself that at least. 
    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 10/10/25
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