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Mortgage free in Forever Home :-)
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these - Oxalis Deppei Iron Cross Bulbs Garden Perennial Summer Good Luck Clover Flowers | eBay (bing.com)
some have the red on the leaves and some not. I think we're on the same latitude so similar conditions perhaps and if they are German in (Gluck Klee apparently) origin I think you should be fine. I know a lot of oxalis do better inside but these have always been outside for me. It's the patience of waiting til June for them to show up that has always got me as I'm not all that patient.
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⭐️🏅😇3 -
Brie said:these - Oxalis Deppei Iron Cross Bulbs Garden Perennial Summer Good Luck Clover Flowers | eBay (bing.com)
some have the red on the leaves and some not. I think we're on the same latitude so similar conditions perhaps and if they are German in (Gluck Klee apparently) origin I think you should be fine. I know a lot of oxalis do better inside but these have always been outside for me. It's the patience of waiting til June for them to show up that has always got me as I'm not all that patient.
Shattered but cleaned and decluttered one more small shelf in the kitchen. It’s an open set of shelves near the table that I cleared over Christmas that is mostly staying tidy and the window I cleaned yesterday, so this room is starting to feel quite different now 😊
KKAs 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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.4 -
It's lovely being able to transform a small space so it brings more pleasure, well done on your efforts 😊
How's your cousin doing? And have you managed to find suitable trousers for the funeral yet?3 -
Well done on the window sill clearing and the seed planting. You've reminded me I have lots of seeds I could plant - but TBH I think they are all in the garage. I could try and get the roofer to open it for me - but there's no guarantee I'd then find them anyway.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 29/7/253 -
PennysIntoPounds said:It's lovely being able to transform a small space so it brings more pleasure, well done on your efforts 😊
How's your cousin doing? And have you managed to find suitable trousers for the funeral yet?
Had a statement turn up about our joint account - probably the only account I still get hard copy statements for. I scanned it to see what the minimum balance was that it had dropped to over the period: £260! This is comfortably over the excess £50 I keep in there in case of glitches, so have pulled £200 out of there into the house / DIY fund which is now sitting at £788 😊 Mr KK pleased (by dint of me taking more money off him each time he gets paid, he saves by default 😉) This weekend we will measure up for the bathroom window as that is the first job to do and that was quite a long lead time last time.Had an amusing text conversation with garage mechanic today which ended with a mild insult to Mr KK’s delicateness 😂 (garage mechanic knows us both well) that made all three of us smile 😊 Bizarrely, it seems that the best way to stop my car ‘acting up’ is to keep my tyres well inflated so that the tyre pressure sensor doesn’t trigger all the rest of the electronics cascade …. Hoping it works 🤞😊
KKAs 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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.5 -
Good luck with the car.
Well done on the savings. Nice when you can get jobs done - although sometimes you get a better price on windows if you do more at once...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 29/7/252 -
Hopefully that's an annoyingly simply fix for the car.
Well done on the savings!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
Thanks @savingholmes and @Merlin's_Beard 😊
Yes, it might have been cheaper to buy the bathroom window at the same time as the lounge ones but that would have got complicated with my mum paying for the lounge ones and us paying for the bathroom one - not sure if the window people (small local firm) would have been happy with that. Plus we didn’t have the funds at the time - our savings have been gradually ticking up since the autumn again.Good luck with the garage rummaging if you decide to dive in there ….! Can you remember what the seeds were packed in - ish?KKAs 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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.4 -
Boards are busy today - my thread was 4th on page 2 of my bookmarks! 😊🎉
Done another piece of clearing and cleaning in the kitchen. A section of worktop next to the sink that had attracted so much junk it was becoming unusable! When we started unpicking it, it VERY quickly become clear that is was 90% DIY or brewing kit … Mr KK actioned and then I deep cleaned 😊❤️
Had a nice text back from my cousin thanking me for my message and suggesting that we stay with them and meet their children before the funeral on a Monday in March. Not sure if Mr KK would be able to do that as it would depend on how his dad is doing by then …. but I probably will 😊
KKAs 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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.6 -
Hope the funeral goes ok.Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2
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