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Mortgage free in Forever Home :-)

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  • Hero husband indeed - those brambles are hard work.
  • KajiKita
    KajiKita Posts: 7,649 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hero husband indeed - those brambles are hard work.
    They flipping are! He knows the technique now - to hoick out the bud at the bottom, so it doesn’t regrow. 

    He also uses his welding gloves to protect himself from the thorns! 😊😉


    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 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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: 7,616 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Mr AlDee did a lovely vegan mushroom pate in a kilner jar last year, they don't seem to be doing it this one - the vegan forums are all  a-gnashing and a-wailing about it .  T0sc0 are touting their recipe about though :
    You are making good progress outside, it will make it all so much easier come Springtime - Just think, in 8 days, it will start getting lighter earlier again.   Love that you have a 'formal' and 'informal' wood store :D:wink:
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • Ooh that looks good foxholes I'll save that recipe. 
    KK we have brambles here I need to learn the right technique for getting them out as I've had them in every house now and never seem to be able to get rid of them fully!
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • Thanks I will try that! It runs all along our fence (comes from neighbours) where I have put other fruit bushes in, and I'd like for them to not be swallowed up by bramble roots! :smiley:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300


  • Strictly had me crying last night …. That moment when Chris danced alone and then walked down the the floor, in ordinary lighting, alone, until Dianne rejoined him to ‘You will never walk alone’ absolutely got me! Tasha deserved to win as the best dancer, both technically and in grace, but Chris was a deserving Strictly winner, which tbh isn’t purely about dancing … 😉❤️

    KK


    Whilst Tasha was so graceful and a great dancer I just couldn’t take to her for some reason and I thought she danced at exactly the same level from the first show to the last which didn’t help. I loved Chris and thought Diannes teaching incredible but I actually split my votes between Chris and JB because who on Strictly in their right mind would choose to do a Rhumba or a Samba again 

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your first week went well.
    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
  • I confess I didn’t stay to watch the end of strictly but googled it to find out who won. Was glad it was chris, the dance to you’ll never walk alone was a joy to watch 
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