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Mortgage free in Forever Home :-)

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,534 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I've decided the same thing KK. It was after seeing some pretty English country gardens pop up on my Pinterest 😆 so I'm looking for flowers and some very easy bits of food to grow alongside them (already have fruit trees and bushes in). 
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have a greater focus on bulbs and flowers in my new garden.  I think they are.magical. Sorry work not going to plan. Good luck with exploring other options. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 8,017 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I have a greater focus on bulbs and flowers in my new garden.  I think they are.magical. Sorry work not going to plan. Good luck with exploring other options. 
    Thank you x

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,534 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    When I got home this evening I walked down the garden and had a chat with my young Amalanchier tree. I breathed all my hoocha (heavy energy) into it (plants love it!) and came away feeling much more grounded 😊❤️

    I need to know more about this! Can we do this with any tree? I don't even know what an amalanchier tree is nevermind know if I have one but I have a few fruit trees 🤔 always keen to have a new grounding exercise! 😁👏🏻
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Well this is my tiny winy Hoocha thing today - I am not a gardener and have such a small space.
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,534 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Ah thank you I've screenshot that and will write it in my notes to remind myself what to do (and it's name so I can research this 😁)! I will try it on my new lilac tree I just bought! X
    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. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • dawnybabes
    dawnybabes Posts: 3,433 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Love clean bedding day ! I got mine out on the line yesterday - every time I rolled over last night I smelt fresh bedding.  When agent millionaire arrives I will be having clean bedding put on daily by my housekeeper 🤣🤣🤣
    Sealed pot challenge 822

    Jan - £176.66 :j
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