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Mortgage free in Forever Home :-)

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Comments

  • KajiKita
    KajiKita Posts: 8,149 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @edinburgher, I think it may depend a bit on your soil but I’ve always found shallots a very reliable crop and easy to grow. They are one of my dependables 😊

    KK
    As at 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,270 Interest saved £5,816 to date
    Fixed rate 3.85% ends October 2030

    Read 51 books of target 52 in 2025, as @ 17th September
    Produce tracker: £389 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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your parish council communications made me laugh. Our parish council newsletter is delivered by hand (well, by land-rover 😂). Hand written, and then photocopied 😊 lots of underlining and sometimes little drawings too, very sweet. I do wonder what will happen when the current secretary goes (they're quite old...). Will we get boring printed newsletters, or none at all?? 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,604 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Love the idea of buying something from the garden centre and doing your own award to Mr KK 😁.
    Sounds like a few busy days. This is how my June went, I had lots in the diary that I thought I'd like to do but by the end of it I was wanting solitude and my sofa and a cup of tea 🤣🤣🤣.
    Hope today is gentle with you. 
    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
  • skint_spice
    skint_spice Posts: 13,490 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
     Could you explain the “plant leaves in the bathroom” please? I sometimes use mine to wipe around a bit but if there’s something else I could be doing I am always open to ideas!
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,490 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I just saw this on instagram and thought of you hopefully you can see it - for the bindweed!
    https://www.instagram.com/reel/DL4FxghI_NE/?igsh=MWI0YXFpdzRnNXZrZg==
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • redofromstart
    redofromstart Posts: 5,904 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I put my houseplants out when it is warm and raining to get the dust off. They are currently very dusty as a result. 
  • Brie
    Brie Posts: 15,156 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I just saw this on instagram and thought of you hopefully you can see it - for the bindweed!
    https://www.instagram.com/reel/DL4FxghI_NE/?igsh=MWI0YXFpdzRnNXZrZg==
    I don't say this often but OMG!!!  I'm definitely going to try this.  I've got the wretched stuff in my front garden and it's a constant battle but if this will kill the roots safely I'll be very very happy.
    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
    ⭐️🏅😇🏅🏅
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,604 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I might have to try that bindweed method too. It's coming in through the neighbours fence and I can't get to the roots at all!
    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
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