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Mortgage free in Forever Home :-)

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  • Brie
    Brie Posts: 14,826 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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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  • KajiKita
    KajiKita Posts: 7,764 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 19 February 2024 at 6:56PM
    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.  
    Oh, that’s completely different to what I was thinking of! 😂😂😊😉🤷‍♀️

    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 😊

    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 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. 
  • 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?
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • 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 2025
  • KajiKita
    KajiKita Posts: 7,764 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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? 

    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 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. 
  • skint_spice
    skint_spice Posts: 13,434 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the funeral goes ok.
    Mortgage OP 2025 £6250/7000
    Mortgage 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)
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