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Mortgage free in Forever Home :-)

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Comments

  • greenbee
    greenbee Posts: 18,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It was miserable here today (although not raining), so the only gardening I did was to replant a honeysuckle. I do need to unpack my bare root roses and heel them in somewhere. And deal with the sack full of comfrey I was given a couple of weeks ago. 
  • KajiKita
    KajiKita Posts: 8,660 Forumite
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    Oof, a lot of what you said about your mum rings very true for me - I'm sure a lot of my decision to be childfree was from the insistence that we were a burden and a trial that had been laid upon her as her duty, rather than a joy, along with the self awareness that my brain is very similar to her so the things she struggled with and found challenging would be difficult for me, too.

    Sounds like a productive day! I hope that this rain stops soon, and it can all soak into the ground a bit.
    Yup and yup … 🤷‍♀️😉😊

    The next thing is gonna be a cold spell. But actually, in these climes, with our ecology, we need it, to knock back pests and reset fruit trees etc.

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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: 8,660 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    greenbee said:
    It was miserable here today (although not raining), so the only gardening I did was to replant a honeysuckle. I do need to unpack my bare root roses and heel them in somewhere. And deal with the sack full of comfrey I was given a couple of weeks ago. 
    Is the sack of comfrey, leaves or roots? 
    If the former layer them on the compost heap?
    if the latter, pot them up so they can start creating feeder roots for next spring?

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
  • greenbee
    greenbee Posts: 18,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    greenbee said:
    It was miserable here today (although not raining), so the only gardening I did was to replant a honeysuckle. I do need to unpack my bare root roses and heel them in somewhere. And deal with the sack full of comfrey I was given a couple of weeks ago. 
    Is the sack of comfrey, leaves or roots? 
    If the former layer them on the compost heap?
    if the latter, pot them up so they can start creating feeder roots for next spring?

    KK
    Roots, so I need to decide where to plant them. I don't have the pots or the potting medium to deal with that volume! I was thinking of planting them in the compost area as that would be convenient
  • KajiKita
    KajiKita Posts: 8,660 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    greenbee said:
    KajiKita said:
    greenbee said:
    It was miserable here today (although not raining), so the only gardening I did was to replant a honeysuckle. I do need to unpack my bare root roses and heel them in somewhere. And deal with the sack full of comfrey I was given a couple of weeks ago. 
    Is the sack of comfrey, leaves or roots? 
    If the former layer them on the compost heap?
    if the latter, pot them up so they can start creating feeder roots for next spring?

    KK
    Roots, so I need to decide where to plant them. I don't have the pots or the potting medium to deal with that volume! I was thinking of planting them in the compost area as that would be convenient
    I would do the same, but my compost bins are under a big Japanese maple so are in shade from late spring. I think I will plant my three little plants I managed to get to root from stumps brought from the Bay of E this spring, alongside the apple trees, in the wild patch at the same end of garden as the compost bins 😊

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
  • greenbee
    greenbee Posts: 18,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Do you think they would outcompete the grass under my dying apple tree? (It has honey fungus, so I plan to grow a rose and a clematis up it. Possibly Montana Elizabeth and Generous Gardener).
  • KajiKita
    KajiKita Posts: 8,660 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    greenbee said:
    Do you think they would outcompete the grass under my dying apple tree? (It has honey fungus, so I plan to grow a rose and a clematis up it. Possibly Montana Elizabeth and Generous Gardener).
    Honestly? Dunno. 😊🤷‍♀️ What I’m planning on doing is chopping some of the turf short, lifting it, putting it back down upside down (so the grass gets no light) and then planting the comfrey in the ‘cleared’ patch. With a goodly mulch of bark around them, over the upside down turf, I’m hoping that would give the comfrey plants a good enough start to be able to outcompete the grass under my apple trees. 🤞
    (I quite like the permaculture feel of reusing resources I already have by doing this, iyswim.)

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
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