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Mortgage free in Forever Home :-)
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@LadyWithAPlan, my garden is really not amazing! πππ I have visions and plans but the execution is quite difficult to realise π
@Brie, not just me that loves Agapanthus then? π
@redofromstart, I have just been digging out my sweet pea, sweet pepper, parsley and nicotiana seeds ready for sowing tomorrow β€οΈ
@beanielou, why wouldnβt you want me to see your garden? I didnβt start with a big garden - my first garden (I think I am on my 8th garden now?) was literally the footprint of a shed as when the local council re-cemented the back yard of the house we were renting they worked around the shed that was there! π I remember I grew a lot of weeds there and friends visiting the neighbours laughed at me as I didnβt realise β¦ π€·ββοΈ Actually, thinking back, the plants they were regarding as weeds was King Henry - something that people deliberately forage for these days - not so much in the Welsh Valleys back in the β90s I think π
KKAs at 15.07.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£233,521
- OPs to mortgage = Β£11,816 Interest saved Β£5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: Β£276 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β5 -
Mine is err mmm none too bonny shall we say. Lots of weeds & neglect.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.3 -
Another fan of agapanthus here. So beautifulΒAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£174.8K Equity 32.77%
2) Β£1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC Β£25.3K + Lump Sums DB Β£4.6K + (25% of SIPP 1.2K) = 31.1/Β£127.5K target 24.4% 15/8/25
4) FI Age 60 income target Β£16.5/30K 55.1%
5) SIPP Β£4.8K updated 29/7/252 -
beanielou said:Mine is err mmm none too bonny shall we say. Lots of weeds & neglect.savingholmes said:Another fan of agapanthus here. So beautifulΒ
KKAs at 15.07.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£233,521
- OPs to mortgage = Β£11,816 Interest saved Β£5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: Β£276 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β5 -
One way of looking at it!ΒI 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.4 -
Ended up clearing and cleaning a window and deep sill in the kitchen that hasnβt been touched for a very long time β¦ <ahem> π A very satisfying job with instant reward - I can see the primulas in the bed opposite the window now, easily from the kitchen π I also took one of the biggest houseplants (appropriately for MSE it is a Chinese money plant) from that windowsill into the potting shed and repotted it in a more stable pot and then finished off giving all the leaves a good rinse under a slow gentle trickle from the nearest water butt.Β
Finished potting up the red onion seedlings with my new compost along with two types of shallots. Also sowed parsley, sweet peas, sweet peppers and nicotiana - they are all tucked up on my heated propagation mat with the grow light on timer above them π There is a second lot of white onion seedlings that need pricking out but they are not quite ready yet so have moved them off the heated mat and onto the windowsill where they will will get decent light but it wonβt be so warm that they will outgrow themselves.Β
Had to clear some dead pots from the conservatory to make room for the potted up shallots, so itβs looking cleaner and tidier in there too. The hyacinths and Iris Reticulata will probably get planted out in the garden next weekend as they will have finished doing their thing in the conservatory by then, so making more room in there for seedlings. Mr KK highly amused that the annual plant takeover of the house has commenced π
EDIT: Had a dribble of funds in PP from TCB but couldnβt cash it out as it was less than Β£1 so sent another dribble of funds over from QM33 (still canβt find my mojo for this!) and therefore OPβd Β£3.43 and a 76p TT from the joint account. Havenβt added those to my OP tracker yet so donβt know what interest I have saved β¦. π
KKAs at 15.07.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£233,521
- OPs to mortgage = Β£11,816 Interest saved Β£5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: Β£276 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β6 -
I do love hyacinths and iris reticulata. No indoor bulbs so far this year, vague Β plan to pick up white or blue hyacinths when I go to Lidl as the chain garden centre wanted a ridiculous amount of money and my inner miser kicked in.My mortgage free diary:Β https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5 -
redofromstart said:I do love hyacinths and iris reticulata. No indoor bulbs so far this year, vague Β plan to pick up white or blue hyacinths when I go to Lidl as the chain garden centre wanted a ridiculous amount of money and my inner miser kicked in.Iβm a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.Β If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:Β Β https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on:Β Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.βΒ Nellie McClung
βοΈπ π4 -
Thanks Brie, the dark leaves yellow flowered oxalis self seeds in my walls so I think it would do well in the front. My front gardens are mainly original cobblestone, topped with tarmac and then a few inches of stony top soil so anything that survives is good. I've added a lot of compost over the years but it's never going to be the pretty English romantic cutting garden that lives in my head.ΒMy mortgage free diary:Β https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo4 -
@Brie, a βGluck gleeβ google only produces images of petulant looking young men! π
However, doing the same with βred clover oxalisβ produces images of the two plants I bought at the Christmas fund raiser in the chapel π Does this mean I can put them out in the garden - I wasnβt sure if they might be house plants?ΒKKAs at 15.07.25:
- When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£233,521
- OPs to mortgage = Β£11,816 Interest saved Β£5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: Β£276 of Β£300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.ΒWatch your actions, they become your reality.Β4
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