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Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,134 Forumite
    Part of the Furniture 10,000 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). 
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 0/7 lb 
    Mortgage OP goal 2026 - £4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • savingholmes
    savingholmes Posts: 29,130 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 £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • KajiKita
    KajiKita Posts: 9,056 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 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 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: 10,134 Forumite
    Part of the Furniture 10,000 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! 😁👏🏻
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 0/7 lb 
    Mortgage OP goal 2026 - £4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • 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: 10,134 Forumite
    Part of the Furniture 10,000 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
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 0/7 lb 
    Mortgage OP goal 2026 - £4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • dawnybabes
    dawnybabes Posts: 3,593 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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