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Mortgage free in Forever Home :-)
Comments
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Border after:
The bit where it goes in again to the left in the image about halfway down is awkward, as it is the end of the bark path. That will take some thought and unpicking. The section beyond that, I have been meaning to put a proper edge to for quite a long time now, so it’s really good to finally get that moving 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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.6 -
Wowers that edge looks fab. I love how a crisp edge completly changes a boarder. 😍😍
DH cuts the grass here but never does the edges, so unless I follow on behind the edges rarely get done!
And thank you for your kind words 💕3 -
How do you put in such a crisp edge?
It looks great, and am now wanting to try this!Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
Thanks @Bananabreadyum, and no problem 😉
I don’t do what the experts say and use a board as I find it too slippery and likely to twist an ankle on, I do it by eye with a narrow border spade. Get an idea where you want the line to be and then insert spade vertically cutting through grass and ‘wildflower’ 😉 roots, tilting back the spade to make a slit. If I am removing quite a depth front to back of ’turf’ (today I was removing from between an inch and a foot in depth), then make side cuts, at right angles to the edge you’ve cut, to make what you are trying to remove easier to handle. Shake off what soil you can and then remove to wheelbarrow or bucket etc.Watty1 said:How do you put in such a crisp edge?
It looks great, and am now wanting to try this!
Periodically, look up at where you are heading to either stop or join up to and course correct if you are going a bit shallow or deep with the cut line.I don’t use a hose either, which is often recommended as a datum, as,I find it moves around too much as I am levering, digging, etc etc
Now, the real trick is to go back over the cleared area and:
- lightly fork it over, pulling out all grass and other roots that you don’t want. It’s surprising quite how much ‘interloper’ you find at this stage.
- create a kind of ✔️ shape profile between the cut edge and the border. The cut edge is vertical, the bed side of the ‘tick’ is sloping. Use your spade or hand towel to do this and gently pat the loose soil into place (I channel sandcastle building at this point! 😉😂).This ‘air gap’ between the cut edge and the border means that:
- you can trim the cut edges quickly and easily with long handled clippers
- you can see when interlopers are trying to bridge the gap between the lawn’s cut edge and the border and remove them before they get too entrenched
- there is less likelihood of interloper activity in the first place as the air gap means in effect that the grass etc gets air pruned at the roots and finds it harder to spread.I don’t do this everywhere in my garden - in the wilder areas it would look quite odd, but anywhere I am trying to keep segregation between border and lawn, grass out of my perennials, I do this 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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.7 -
As at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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.2 -
Both really helpful, yours and the RHS. If next weekend is dry, and, there is nothing more immediate to do I will be having a go
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
Glad I could help 😊 I know the RHS site says not to do it when the ground is wet, but to me it’s a do any time job. But I am on very free draining soil here 😊Watty1 said:Both really helpful, yours and the RHS. If next weekend is dry, and, there is nothing more immediate to do I will be having a go
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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.3 -
It looks great! 🤩Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/243 -
Am I too late to request a cloned Mr KK? Cat is sort of dilute tortie but she’s the softest cat ever and will bop you but never claw so that should get me a few points…Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May
Boiler fund £2085/30004 -
Hmmm no cat here, but I do have a miss giddychops who is an elderly dog who thinks she’s a puppy. Mr KK clone could come and share his knowledge and skills with my OH on a one off visit.🤣.
love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.534
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