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Mortgage free in Forever Home :-)

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Comments

  • f0xh0les
    f0xh0les Posts: 7,708 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Broad beans make more nitrogen than they use, and they fix it in the nodules in their roots, so ground level cutting of plant, and as the root breaks down the soil becomes much healthier.   
    My grandfather used to dig a trench, fill with his veg scraps and peelings, cover over slightly with soil, and then planted his beans on top, the heat from the composting material made them grow faster, and as they are greedy  and they love a rich compost,  their roots went straight down into very fertile compost.
    4/10/25Three Years Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
    No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • KajiKita
    KajiKita Posts: 8,679 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    f0xh0les said:
    My grandfather used to dig a trench, fill with his veg scraps and peelings, cover over slightly with soil, and then planted his beans on top, the heat from the composting material made them grow faster, and as they are greedy  and they love a rich compost,  their roots went straight down into very fertile compost.
    I tried that last year. Didn’t seem to help at all, but the heat might have played a part as well. 

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
  • f0xh0les
    f0xh0les Posts: 7,708 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    You will have a bumper crop this year then (fingers crossed!). If this summer ever actually gets going for more than 2 hours at a time.  It was glorious this morning, and then, 11.00 lashed down, glorious for 30 minutes, then big black clouds, another downpour and grey and cold ever since!  I am in a thick hoodie to stay warm.
     It is supposed to pick up on Wednesday though, just in time for the solstice, maybe it will stay warm for a while ...?
    4/10/25Three Years Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
    No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • Watty1
    Watty1 Posts: 7,433 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    For some reason Brigerton has not appealed although usually I love a soapy historic drama.  Need to find something else to watch here after finishing a Netfix series on a megablack church which was quite fun (Greenleaf).  

    Actually popped on to say cats are fussy little whatsits on the food front LOL   My little 'feral' will only eat some very expensive wet food that is grain free and blah blah yet happily pinches WattyDogs food which does not meet her personally firmly expressed requirements. Does make me laugh
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • beanielou
    beanielou Posts: 97,045 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    The joys of our cats. 🐱🐱
    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.
  • Brie
    Brie Posts: 15,767 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I found they accepted dry food quite well as long as it was fresh.  Which meant buying the more expensive smaller bags but ultimately less was wasted so maybe it saved ££ after all?  Another trick was to ensure the wet food, when they got it, was warm.  quick boil of the kettle, splash a bit in and give it a mush.  Good thing the little dears are so cute else they'd be getting cold grits.  
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  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:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
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  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you've been feeling exhausted and the boss has been up to his usual shennanigans.

    I was another one who read 'colon' in the wrong context   >:)

    Glad the gardening is still nourishing you - and the knitting soothing. I adore the colour.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.1K updated 14/11/25
  • f0xh0les
    f0xh0les Posts: 7,708 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Sub £250k is well worth celebrating.  Even if it is 'just' a scone in the garden.
    4/10/25Three Years Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
    No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
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