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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary 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
    Glad I could help  :) 

    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 🤣🤣🤣
    It's on my list too!  ;) 

    KK
    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. 
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    That’s beautiful @Sallyforth 😊 Is that thyme in the back of that corner bed by the steps

    Afraid not - it’s pretty old aubretia I’ve trimmed back radically!

    I have plans for herbs in various pots in a few weeks along with a riot of colours in hanging baskets and more pots - my outdoor space is tiny!
    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

  • Brie
    Brie Posts: 14,783 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    sad to hear about the maple.  it's hard to sync with other people's visions of things sometimes.  
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Weather forecast for this weekend is good all weekend 🤩👏🌞

    Loose plans include:
    - much gardening including getting sprouted shallots and broad beans in the ground
    - tidy up JM and the dead weediness below it where the half dead viburnum was - some of the leftover bark can go there
    - ‘walk the job’ with Mr KK about the path around the house so he can start measuring up for stone slabs etc - this will be transformative both visually for the front of the house and in terms of keeping our feet clean and dry as we walk around the outside of it. 
    - see if I have any more liquid seaweed feed somewhere - the greenhouse needs it and my last lot leaked out by the water butts when it fell over last week … 🙄🤷‍♀️
    - 2 loads of washing on the line - happy sigh 😊🌞 Might take advantage of the weather and do some fleeces, scarves etc as well. 
    - YNAB updates and possible OP
    - out for dinner this evening for Mr KK’s final birthday celebration 🥳 Question: if the monarch is the monarch partly because they have two birthdays, what does that make Mr KK for having a week long birthday - an Emperor? 🤔😂😉❤️

    KK
    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. 
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry to hear about the hacking of the tree. Some people just can't 'see it' the bloke probably thought he'd done a good job!
    Hopefully you've manged to 'tidy' it up a bit. And it will grow, hopefully quickly, now it's warming up.
    It's been really lovely outside today. I even had my sandwich outside, lush! 
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • Brie
    Brie Posts: 14,783 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You mention Mr KK not following instructions.....I hear that and see my OH not listening and when I say "cut this flush to the main branch" he ends up with a crunch about 6 inches out which just looks so bad.  And then there's words.  Ones that Chloe's too young to hear.  Sigh. 

    That's why I hire gardeners.  They get it right or they get fired.  Think I've landed with some good ones currently.
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Chiming in with sympathies for the tree butchering and hoping you can coach Mr KK to help. My husband is completely useless when it comes to gardening or plants to the extent I have to place a supermarket living herb in a separate bag in the front of the car with me to save it being crushed under cat food and tins etc!
    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

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