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Mortgage free in Forever Home :-)
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I have gardened myself to a standstill. Literally can’t do any more weeding as my grip has weakened. But … I have begun one of the worst veg beds 💪
It started looking like …
And after 4 hours of hard graft, I am 3/4s through it …
But we did also get some time in our sit spot at the bottom of the garden for the first time this year 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.11 -
Great progress
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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.1 -
Thanks Beanie 😊beanielou said:Great progress
It’s been an area that has been like an ulcer in my conscience since last year, so it feels really good to finally get it moving 😊 Like breaching a psychological hurdle.
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.3 -
Great progress - is that the original soil - looks really good.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
Fantastic progress, and what an absolutely gorgeous sit spot! 🥰🥰1
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I suspect it looks better than it actually is due to it being quite wet! It’s quite odd soil round here - quite silty and sets like rock when dry in the summer. I have been working (not very effectively! 😂😂) on these beds for four years now so they are starting to get better … 😊redofromstart said:Great progress - is that the original soil - looks really good.
Thank you and yes, we love it 😊Cheery_Daff said:Fantastic progress, and what an absolutely gorgeous sit spot! 🥰🥰
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
That sit spot is gorgeous and great place to admire all your hard work !There is an amazing after bite lotion called Bactine - from the States I think -a colleague gave it as it really helped after I unusually got attacked by French mosquitos after a river floodedDON'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#latest2 -
Ah, that sounds with a look 😊 Thank you 🙏LadyWithAPlan said:That sit spot is gorgeous and great place to admire all your hard work !There is an amazing after bite lotion called Bactine - from the States I think -a colleague gave it as it really helped after I unusually got attacked by French mosquitos after a river flooded
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.3 -
The sit spot looks gorgeous.
Well done on tackling the veg bed. I think I'd be reaching for cardboard and composting over it though... as per D0wding.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
I’ve done that in the past but because there is such a slope from left to right of the image I find everything falls off the RHS and onto the path - gets very annoying. Also, i never seem to have enough material to fully obscure the weeds and the bindweed grows out from under the cardboard…. I had to take off all the wooden sides when we got here as they were rotten and a party venue for slugs and woodlice! Thinking about it, a metal side (just on the bottom) with a rolled top might work but be many ££s …savingholmes said:The sit spot looks gorgeous.
Well done on tackling the veg bed. I think I'd be reaching for cardboard and composting over it though... as per D0wding.
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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.3
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