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Mortgage free in Forever Home :-)
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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.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
2 -
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 £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 -
@Cheery_Daff, @Watty1, @debtfreewannabe321, I’m becoming a trendsetter! 😉😂😂
A 13K steps day with no daylight …! 😳🙄 Getting really bored with work now and pressure is still increasing …. Sigh …. Still, we are over humpday now 😉
No word from recruiter as yet. Apparently he will get an alert when the hiring manager looks at the video …
Parcel arrived from LandofLake this evening so I will be rearranging cupboards this weekend, to make space for the dishwasher that is due to arrive on Friday 😊
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 😊❤️
Nothing much else to report for today 😊
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.5 -
savingholmes said: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.
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 -
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.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
3 -
You can do this with any plant or piece of Gaia 😊 My teacher used to ‘pour’ it out of the vessel she collected it in during client sessions, over the pots she kept by the front door 😊 Apparently they grew really well!Basically Hoocha is all the gnarly energy that builds up in us over a day or longer that comes from discomfort, anger, frustration, stress etc. Usually a lot of this disperses naturally by coming home, going outside, self care etc, but sometimes it can be helpful to deliberately ‘put it down’. In terms of how to do it, a lot of it is what makes sense to you in that moment - walking with bare feet in grass or a beach is very effective but rather chilly atm! 😉 Last night, I was checking in on my Amalanchier as it’s a young tree and I am very fond of it - as I did so I became aware I had quite a lot of Hoocha roiling around in my system - I’d had a tough day, and I had come home on high alert, quite stressed and edgy. I held the trunk in my hand and just breathed with intention that the Hoocha would leave me and enter the tree. It felt good so then I did the other hand 😊 I became aware of all the scents around me thanks to it being warmer than it has been for months 😊 My energy dropped into calmer and I felt better. You might choose to put your back to the tree? Whatever works for you.Details on Amalanchier: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.7 -
Well this is my tiny winy Hoocha thing today - I am not a gardener and have such a small space.Tilly Tidying andPADing in 2024 £250.62
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RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20184 -
That’s beautiful @Sallyforth 😊 Is that thyme in the back of that corner bed by the steps?
14K steps today …! 😳 Early start tomorrow as I have to be in work by 7.30am to host a visitor … I will be soooo glad when this week is over!!Car insurance renewal quote arrived this morning. I had a pleasant surprise as it has dropped by £76.50 compared to last year! I will do a quick review of the comparison sites this weekend but if that looks sensible I might just let it auto renew 😊
Nothing more to report. Bit tired … 😴
KK
EDIT: Bought three cans of veggie soup in Toscos this morning using purse shrapnel - I love doing this, so satisfying to pay for something you need with copper you struggle to use otherwise 😊👏
Changed my bed so I have clean sheets - happy sigh … 😊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.6 -
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! XMORTGAGE 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.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
2 -
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 :j3
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