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Mortgage free in Forever Home :-)
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Gorgeous tapestry.
Glad you got the time off you wanted - and managed to recover the missing window panes.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 29/7/251 -
Lovely tapestry and you got a decent amount of snow!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)1 -
Watty1 said:Just catching up (glorious tapestry). Love the self sufficiency milestones, celebratory steps.
It reminded me of a long ago allotment produce and how I gave a lot away on the walk home. A boyfriend looked and said he wanted to use the cauliflower bean and courgette glut to make piccalilli. I've never liked shop bought piccalilli but that stuff was so yummy. I had so many jars of it I gave it away that summer but it was so yummy I think I might try making my own later this year.debtfreewannabe321 said:Loving your posts KK and you sound so much happier at work now 🥰
That tapestry is huge! What will you do with it once it's completed?
We've had the smallest amount of snow here and most of it has rained off roofs and fences now. Rain still continues...
Is it huge? You should see the size of some of the ones they offer - full wall hanging size! 🤩😂
Not sure what I will do with it 🤷♀️ I have several finished ones sculling about in drawers I have never done anything with …. This one is coming out so well that I might try and do something with it this time. The kit does come with reasonable instructions on how to make it into a cushion, so I might do that 😊redofromstart said:I used to do picalilli with our gluts Watty, a River Cottage recipe I think. Nobody liked the posh bought stuff when we tried it.The tapestry looks very cheering KK.~FlowerPot~ said:The tapestry is gorgeous, it will be so good when it's done!
Seeing your on a frame, I might have to investigate getting one!!She probably feels his pain and de-stressing himGlad you are enjoying your work and feel like it’s going well
The veg area looks great and good to have targets !Loving the tapestry and the Piccalilli sounds great!
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.5 -
savingholmes said:Gorgeous tapestry.
Glad you got the time off you wanted - and managed to recover the missing window panes.Soooo lucky with the greenhouse! 😊debtfreeoneday said:Lovely tapestry and you got a decent amount of snow!
Snow is all gone now thank goodness! It’s warmed up a lot as well, which is more comfortable 😉
KKAs 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.3 -
Another good day.Very slow start with a lie in 😊
Weighed in … 😳 Haven’t gained back all the weight I lost after leaving my previous job, but still too much!
Lots of tapestry and V0yager this morning.
Healthyish lunch with a decent amount of fruit and veggies.Emptied both kitchen bins.
Wrangled another two loads of washing.
Cleaned the loo and bathroom.Tidied / decluttered the living room a bit.
WalkFit workout completed.KKAs 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.7 -
Good work. You achieved a lot.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)1 -
I think a cushion would be lovely from the tapestry if you can keep Chloe off it!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#latest2 -
debtfreeoneday said:Good work. You achieved a lot.LadyWithAPlan said:I think a cushion would be lovely from the tapestry if you can keep Chloe off it!
KKAs 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.4 -
It would be lovely as a wall hanging or over a window with the sun shining through the colours.3
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WelshmansDaughter said:It would be lovely as a wall hanging or over a window with the sun shining through the colours.
KKAs 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.3
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