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Mortgage free in Forever Home :-)
Comments
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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 £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 10/10/251 -
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 -
I made piccalilli once. Mine was with green beans rather than courgettes - it came out so well and wasn’t that difficult 😊 I think it might have been a D3lia recipe?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.
Thank you 😊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 😊
It is very cheering. It’s like a daily colour therapy exercise 😊 I have deliberately left it with the next strand started so I will definitely pick it up tomorrow evening and do something with it, even if it is only to finish that strand 😊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.
The frame has been transformative. It’s so much easier to work, I’m getting far less fraying of the finished surface and it’s a lot easier to keep it under even tension. Setting it up is hard work - hand sewing it to the fabric on the frame, but once it’s done you soon forget that 😊 The ones that seem to be most commonly available are made in the UK as well, which is another feel good factor for it 😊~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!!
Thank you 😊
Too cute!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 15.10.25:
- 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 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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 -
It’s nice to know that break is in the bag - I can plan work around it now.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! 😊
Thank you 😊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 15.10.25:
- 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 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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 15.10.25:
- 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 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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 -
Thank you 😊debtfreeoneday said:Good work. You achieved a lot.
But … I am Regal … says Chloe! 😉😂😂😂😂LadyWithAPlan said:I think a cushion would be lovely from the tapestry if you can keep Chloe off it!
KKAs 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 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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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Ooh, interesting idea … if I could get the edges tucked in enough it would look fabulous with a dark blue velvet backing …. 🤔😊WelshmansDaughter said:It would be lovely as a wall hanging or over a window with the sun shining through the colours.
KKAs 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 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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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