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Mortgage free in Forever Home :-)

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Comments

  • PennysIntoPounds
    PennysIntoPounds Posts: 5,065 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Wow, well done 
  • Watty1
    Watty1 Posts: 7,370 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Question on the cardboard.  Do you just lay the cardboard down?  Or clear first?
    (Have a patch I'm wondering what to do with)
    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 !!
  • redofromstart
    redofromstart Posts: 5,960 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 2 January at 1:44PM
    The veg plot stuff looks spot on.  I was out looking at my space this morning and trying to decide if I should keep the treated wood left over from the roof for edging.  

    @Watty1 KK introduced me to the no dig bed stuff last year.  Take out any obvious perennial weeds (blackberry/nettle/etc) but otherwise I just covered over the neglected greenery with the cardboard and added a million bags of compost. Don't forget to take the sellotape off the cardboard.
  • debtfreeoneday
    debtfreeoneday Posts: 5,029 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Looking great KK
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Viking_mfw
    Viking_mfw Posts: 755 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    I am in awe of your sage bush. Mine always die. 
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the gardening.  I've done no dig in the past it works although shop bought compost is expensive...

    Good if pay seems right.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    SOunds like a very nice CS find.
    I would love to see how your tapestry is coming along.
    I got out mine, but have yet to look at it properly to see where the problem was, I could just start in another area I suppose and come back to the problem later!!
    ♥️ ♥️ ♥️
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    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
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