Mortgage free in Forever Home :-)

KajiKita

I’ve done a thing … 😊



It’s not perfectly accurate but I enjoyed doing it and it will encourage me to set a target at the end of this year for next year’s OPs 😊

KK

skint_spice

It’s pretty!

I know someone up thread said the undiagnosed bleed isn’t a medical thing but we were told the same about my mum last year when she was in hospital. She was anaemic and took ages to improve, due to various factors they aren’t looking any further as she is not fit for surgery.

debtfreewannabe321

Ah I love the house (I've got two now one from old house and one for new one lol)
And I'm off to add that stuff to my basket for pay day!! Or maybe the one after that 😂 but so I don't forget...our soil is good on one side where they already had a bed they had obviously worked it over and added stuff. But where I've added new ones it's not good stuff and our compost has just disappeared same as you described! 

KajiKita

Thanks @skint_spice and @debtfreewannabe321, I’m glad I’m not the only one with vanishing compost! 😂

Found carrot, leek and kale seedlings at the plant centre, a new sweet pepper plant to replace the one in the greenhouse that lost its growing tip and hasn’t recovered and a very nice, dark foliaged, reddy-orange alstomeria. All paid for from pocket money cash so it’s still an NSD 😊👏 Veg seedlings kinda bashed into the ground, after fighting my way through the bindweed. Pepper tucked into the greenhouse into moist, weed free, fed soil, thanks to my efforts this morning and alstomeria in the cut flower border which now has five perennial plants in it … 😉

Bit achy-tired now and not a scrap of packing done! 😂 Still, it’s only two nights that I am away and I know the drill from my years of working away from home. I think I can riff it later this evening 😉

Oh! I have now been joined by Madame Chloe who seems to approve of the innovation of having cushions IN THE GARDEN!!! 🤩😉❤️😂



KK

KajiKita

Just for interest and because I have seen other people here work towards it, I have calculated our outstanding mortgage balance v. my assets (I think it’s described as being mortgage neutral?). 

With my savings, two pensions and the lump sum from my old DB pension that I could take at 55 (but I won’t) the remaining mortgage balance would be £116.8K, which is quite a bit less than the actual current outstanding balance of £233.5K. 

I find this reassuring. I am unlikely to use these pensions in this way and I don’t want to empty out my savings of course, but it would give us options if Mr KK or I couldn’t work for any reason, for example. 🤔

KK

Merlin's_Beard

Amazing progress on the house! Very pretty way of visualising the achievements.

Madame Chloe has the right idea, I think. it's a cat's life!

Watty1

Love the house pic, I remember doing mine when we were working towards MF.  It was such fun colouring in each overpayment.

Madam Chloe has the right idea. Sit and watch the sun and the work.  If only ...

Brie

KajiKita said:

Just for interest and because I have seen other people here work towards it, I have calculated our outstanding mortgage balance v. my assets (I think it’s described as being mortgage neutral?). 

With my savings, two pensions and the lump sum from my old DB pension that I could take at 55 (but I won’t) the remaining mortgage balance would be £116.8K, which is quite a bit less than the actual current outstanding balance of £233.5K. 

I find this reassuring. I am unlikely to use these pensions in this way and I don’t want to empty out my savings of course, but it would give us options if Mr KK or I couldn’t work for any reason, for example. 🤔

KK

yes but no but.  it's a good balancing act on paper.  But if neither of you could work you will certainly need your pensions as pensions.  it's something that comes up a lot on the debtfree wannabe board - accessing pension ££ to clear debts.  not that a mortgage is a debt in that way of course.  I only mention it because the thought makes me jittery.  

KajiKita

I understand what you mean @brie, and it’s not something I am seriously contemplating atm. It’s just we have such a big number as an outstanding mortgage it just helps to play these psychological games with myself  … 😉

I am now on holiday! Got across to the gardens without any issues and then onto the digs as well. The accommodation is really lovely - super pretty and nicely laid out. Masses of books on gardening!! 😉😂



I’ve driven c. 200 miles today and done 13K steps - am pretty tired now … 🥱

KK

Merlin's_Beard

That's such a pretty garden!

I like playing the "when will everything neutralise to £0 game" as well, not because I would (or could) actually do that, but because it feels like a massive milestone to pass on the journey to have the debts and monetary assets balancing out to a positive number instead of a negative one!