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Mortgage free in Forever Home :-)

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  • redofromstart
    redofromstart Posts: 5,846 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 13 January 2024 at 7:23PM
    Was it a cheesecake by the way? I (and my alter ego) have perfected a white chocolate cheesecake recipe over the years.
  • @brie. No!  
    He took it as far as letting her move out of her  home .. !! 
    Sounds like she got loads of healthy exercise at least 

    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
  • beanielou
    beanielou Posts: 95,590 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    @brie. No!  
    He took it as far as letting her move out of her  home .. !! 
    Sounds like she got loads of healthy exercise at least 

    😂.  😅.  😂.
    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.
  • CCW007
    CCW007 Posts: 1,087 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    KajiKita said:

    @LadyWithAPlan, it’s not so much a recipe as a technique. 
    -1 cup of cashews 
    - 1 bowl
    - cover cashews with water and leave for 8 hours (if you forget you can use boiling water and wait 30 minutes) 
    - put drained nuts and half a cup of the soaking water in a jug blender blitz to a cream (I did try using a stick once, but oh dear, the mess! 😉)
    Various uses - tonight I have added a good pinch of salt to offset the sweetness and added a little activated yeast to make a bit more savoury to go in my riff-recipe 😉

    KK 
    And great for freezing in ice cube trays to pop into a dish instead of cream / creme fraiche etc. Handy for when you forget to prep any fresh.

    I make green lentil and mushroom goulash which is lovely and uses cashew cream.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Always an entertaining read!!

    I vote for some one off help from a gardener and then you can assess if you want more. I was blown away by how much my handyman/gardener could get done in the time. 
    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: 7,684 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Always an entertaining read!!

    I vote for some one off help from a gardener and then you can assess if you want more. I was blown away by how much my handyman/gardener could get done in the time. 
    There are often interesting seques on my thread these days … 😂
    Unfortunately, I don’t think one off help from a gardener would cut it this time (I have done it in the past for pruning / removing some out of control shrubs and I agree it can be transformative what a strong bloke with the right kit and expertise can get done in a day) - for bindweed it is about little actions, repeated much ….
    I need an impoverished 6th former who lives locally! 😉😂

    Thanks for the suggestion about icecubing the cashew cream @CCW007, I will remember that one 😊

    I have woken in a better mood, and in fact my mood was better overall yesterday. I had a demoralising PDA at the beginning of the week from my boss and I don’t think I had properly had time to digest it and process. I will be adding “Nil Carborundum Illegitimus!!” on a small strip of paper to my screen in work next week …. 💪
    Time to get started on some tasks 😊

    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: 7,684 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Having a productive day so far  :smile:

    - Cleared kitchen after Battle of The Batch yesterday evening
    - Labelled up said batch and stuffed it in my freezer
    - Got new Fibre Wiffy child node working - resident in office upstairs now 
    - Logged all my devices into new Wiffy - you suddenly realise how many things use it!
    - Cleared, weeded and deep-bark-mulched the 'cordon sanitaire' on the east side of my greenhouse (just to keep the grass down and from shading that side of the greenhouse too much - made a huge difference last year - I did leave the clump of daffodils as I am soft like that ;) )
    - Spot watered some ongoing things in the greenhouse - parsley and sorrel mainly. My Salvias are looking okay in there - think the winter wet disagrees with them even more than cold. 
    - Wrangling of Mr KK's washing
    - Cancelled Mifi with V0daphone - have to pay a month's overlap but no further penalty so I am fairly happy with that. The lady I spoke to thanked me for being so nice to deal with after I thanked her for her time. 

    Failed to call Giggleclear (their lines aren't open) for a partial refund of my first month's service as it did not work after the first install attempt on 29th December and actually only worked after Friday 12th January after a complete reinstall (I even had to help the engineer feed the cable through the wall!), plus I have incurred the extra month's cost with previous provider. A job for one evening this week.

    About to head out into the garden and do something / anything in an ornamental area :smile:

    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. 
  • You inspired me to do some pruning, and half fill the second green waste bin. I noticed that we have some soil erosion at the front (rain, rain and more rain) which has exposed a lot of snowdrop bulbs, I probably need to cover that with some bark or something.
  • KajiKita
    KajiKita Posts: 7,684 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 14 January 2024 at 5:26PM
    You inspired me to do some pruning, and half fill the second green waste bin. I noticed that we have some soil erosion at the front (rain, rain and more rain) which has exposed a lot of snowdrop bulbs, I probably need to cover that with some bark or something.
    They do say that 80% of good gardening practice is in the observing of things that are happening in the garden 😊

    Just come in after another hour in the garden. Finished weeding / dead clearing the bed on the other side of the gate in the front garden and the little bd at the top of the driveway. These can all be mulched now after a spell of warmer weather. Found I was hoicking out quite a bit of self propagated purple bugle - these have been cleaned and potted up, ready for going under the Maple in the back garden along with London Pride as ground cover, once I get that area (dry shade) cleared. 
    Oh and Mr KK reinflated my wheelbarrow tyre for me with his fancy new gadget - omg, the difference!! 🤩❤️👏

    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. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cheers to inflated tyres! It shows it's the simple things that count!!
    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
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