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Mortgage free in Forever Home :-)

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Comments

  • 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 - £1000 
    Baby cash emergency fund £210/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 24/24

  • savingholmes
    savingholmes Posts: 29,221 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
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • KajiKita
    KajiKita Posts: 10,672 Forumite
    10,000 Posts Fifth 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 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 62 books of target 52 in 2026 as @ 30th August. 
    Produce tracker: £245 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • 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 - £1000 
    Baby cash emergency fund £210/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 24/24

  • Sallyforth
    Sallyforth Posts: 602 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

  • 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 - £1000 
    Baby cash emergency fund £210/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 24/24

  • dawnybabes
    dawnybabes Posts: 3,674 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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