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Mortgage free in Forever Home :-)

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Comments

  • Stopping in to say hi - I’ve been reading your posts from the start over the past couple of weeks - I got to about page 140 then pressed the last page button with my fat fingers and couldn’t work out how to go back.  All the gardening info and pictures are brilliant - I’m v much a novice at not killing plants. Sorry to hear you had to put up with so much carp at your job. I second the suggestion of Menorca for an easy place to get away to. I’m rubbish at being on holiday because I just don’t sleep away from home and stress too much but I do rate Menorca as the perfect little getaway. 
    Mortgage at largest £280050 with MF date 2038 - currently £152700 #40 2026 challenge £600/£3500 paid 
  • KajiKita said:
    As far as I can see roses have no interest in what season it's meant to be or what the weather is. Our climbing rose is in full bloom with loads of buds. Which is a shame because it really really needs a mega prune and it's clearly not interested in packing up for the winter. 
    Maybe they will finally give up once we have a frost?

    Which reminds me, I should start lifting and drying my begonias and dahlias ….

    KK
    We've HAD a frost!!!
  • KajiKita
    KajiKita Posts: 9,937 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    @MFWannabe, not really. I’ve never really been into clothes as such and I suspect what I have that I don’t want, wouldn’t sell very well on there. 

    KK
    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 26 books of target 52 in 2026 as @ 12th April. 
    Produce tracker: £78 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • MFWannabe
    MFWannabe Posts: 2,561 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    KajiKita said:
    @MFWannabe, not really. I’ve never really been into clothes as such and I suspect what I have that I don’t want, wouldn’t sell very well on there. 

    KK
    You may well be surprised x It’s really easy to do 

    MFW 2026 #50

    Mortgage:

    04/04/26: £33,500 

    07/03/26: £34,418.15

    16/01/26: £56,794.25
    02/01/26: £60,223.17

    12/08/25: Mortgage: £62,500.00
    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    Savings: £20,000




  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    When I left my carp job I immediately started at a new job.  Wish I'd had a break to be able to unpack all the carp and get ready for the new one.  Agree with Pennysintopounds that some healing is needed.
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • teapot2
    teapot2 Posts: 3,751 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I had a look with my plant app at your mystery plant from the pic you posted;  'Not sure what the thing on the left front is, but that is going to be chopped severely back and dug out'

    The app which is not 100% accurate suggests its 'Rose-of-sharon, a species of St John's Worts (Hypericum)
  • redofromstart
    redofromstart Posts: 6,204 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 20 October 2024 at 9:42PM
    The air fryer cauliflower mentioned elsewhere, I had one that needed using but I'm not keen on plain boiled or 'rice'. Lots of ideas via Google including crispy coatings with gram flour but I just wanted something simple so I made it into florets, added some spray oil, garam masala and chilli powder, gave it a good stir to coat and then ten minutes in the air fryer till it was cooked but still had some bite. I had it with mint and yogurt dressing. I would make it again. Grated some cheese on top for the calcium.

    My leeks are looking promising but aren't they meant to be better for a frost? I've not grown them before.
  • the cauli sounds good! 
    Yes you definitely are recovering from shock, stress and work trauma. 

    When a friend really wanted a job (to take over the mortgage from her ex partner) she applied online at 6.30 am and then called the relevant recruiter at 8.30am to talk about her applications 
    I suspect that kind of energy is beyond both of us at present but allow yourself to breathe a bit, funds allowing. When you need to get a job you will, your mse ways won’t let you go too long :) 
    plus ignore the guilt! It’s a useless emotion 
    DON'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#latest
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