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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,965 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It depends a lot on the variety of fuchsia and how hardy they are. The one we dug up and replanted today is one of the country lane fuchsias used as hedging plants - tough as old boots and BIG! Some I’ve had in the last, which were more bred, stayed small. 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    badmemory said:
    A fuschia bush only 50cm!!.  I have 3 & they are only about 50cm wide because they have no room to be wider.  They are over 30 years old but get cut right back every year.  Having been cut back to wood in march they are now at least 1m tall & some branches well over 2 metres long.  I used to have a fir that they said would only grow to a metre tall.  It did for 10 years when next door removed their hedge & within a year it was over 2 metres & I had to have it chopped down.
    I am learning badmemory that the packets often don't tell the whole truth.  I also knew someone who was involved with tree selling (not sure if there's a proper name for that), and he said that plants are a bit like people -  all different heights and sizes.  Shame about your fir tree, I've planted a 'small' one in the front garden by the gate, so hoping it doesn't grow too big.  
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,508 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I love Roman clothing. I bought a dress there the other day in pretty autumnal colours. 
    Well done on the shopping! We often go to an outlet not that far from here and we manage to get everything we need usually from clothing to shoes to gifts and cushions and wallpaper and whatever else in between....I wish we lived nearer 👀🤣 my purse is glad we don't. 
    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. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Bananabreadyum
    Bananabreadyum Posts: 58 Forumite
    10 Posts Photogenic
    Hmm, why have I never heard of roman clothing? Just had a look and there is a branch in my nearest town, although not in the shopping centre I usually go to. I will check it out next time I'm there! 
  • KajiKita
    KajiKita Posts: 7,965 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hmm, why have I never heard of roman clothing? Just had a look and there is a branch in my nearest town, although not in the shopping centre I usually go to. I will check it out next time I'm there! 
    I only know of it because one the regular posters on here mentioned them 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • KajiKita
    KajiKita Posts: 7,965 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 31 August at 7:45PM
    Quieter day here today, even for Mr KK. 
    He started with a long lie in whilst I hit my highest ever daily score on Duol1ng0 😉😊

    Companionable cuppa in bed followed by light domesticity (washing etc.) and Mr KK vacuumed the whole house! (It’s transformed - I wish he’d do it a bit more often … I’d do it but the vacuum is big, heavy and horribly noisy … I keep hoping it will die and we’ll have to get a new one! 😂)

    Two rows of my crochet blanket done - first time I’ve done any of that in weeks 😊

    Tip run successfully completed with two huge bags of green waste disposed of along with various other bits and pieces. 👏

    I carried on wrangling various washing loads after lunch alongside speed-finishing a grim novel. Then got out and collected a whole heap of salvia side shoots, got them into perlite, as per GW on Friday evening. Hope they strike 😊 Mr KK had a pootling session in his Man-Cave (aka the garage) for the first time in months 😊

    We always have a brew at the end of the afternoon together - this afternoon there was a huge rainbow after an intense rain storm. At one point it got so bright it almost hurt to look at it! 🌈 ❤️

    I’ve written up a first draft of ‘learnings from my garden for 2025’ - that will get a few more details added before the end of the year 😊

    Having a swift cup of tea and then will go and type up a letter Mr KK has written out in long hand to send to the DVLA to update the engine number on the V5 for the truck he is (probably 🤞) selling. He can’t type it up because the office is in uproar as I have *finally* started clearing the desk drawers (mini filing cabinets) in there … 😉

    KK

    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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: 17,302 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like an excellent productive day, well done!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,768 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Good work on the shopping ! 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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