We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mortgage free in Forever Home :-)
Comments
-
I got in touch with a lovely local horse owner via our village facebook free pages, she brings me a trailer load and I make a contribution to her fuel. It's usually quite fresh so it needs to be left to rot but it's the closest I've got to free in any volumeMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
Done quite a lot of gardening over the last few days - my first earlies are in now, as are my sweetpeas, the greenhouse is full of baby plants and tubers doing their do (must water in there this morning 🤔), found a new spot for a Rosemary away from the thug Sage, used my new mower (it was fab! 🤩) and done some weeding.Slowly, slowly it is becoming *my* garden. It’s had a slow start partly due to it having been so neglected for so long - always harder work to reclaim a garden than build one from scratch I think, but also because of me being so out of sorts over the three years I have been here (covid x 2 and redundancies etc.). I am now finding I have a creative flow in it that I haven’t had before, which is lovely 😊 This is my eighth garden in my life and I would like it to be my last - absolutely fed up with moving on from gardens all the time!It’s wet here today, so I don’t think there will be any gardening-gardening (though I might take advantage of the damp ground to hoick out some lumps of oregano from the Border of Doom if we get a break in the rain). I think tidying and sorting the potting shed would be a good thing to do, I have some alpine strawberry seedlings to plant up and i can do some seed sowing 😊
I have finished my novel - it improved c. half way through! And I want to finish ‘reading’ HFW’s Leftovers book - not entirely relevant to me (lots of talk of meat and dairy) but some interesting ideas none the less.
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.6 -
redofromstart said:I got in touch with a lovely local horse owner via our village facebook free pages, she brings me a trailer load and I make a contribution to her fuel. It's usually quite fresh so it needs to be left to rot but it's the closest I've got to free in any volume
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.2 -
I had a read of the RHS page about aminipyralids in manure and it is quite helpful in terms of what to do. It also says that if you can store it for two years (which is normal wisdom for horse manure) it breaks down. Here's a link, in case it is usefulSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here4 -
Suffolk_lass said:I had a read of the RHS page about aminipyralids in manure and it is quite helpful in terms of what to do. It also says that if you can store it for two years (which is normal wisdom for horse manure) it breaks down. Here's a link, in case it is useful
I will ask my neighbour if she has any two year manure she doesn’t want.KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.3 -
Bit bored here - flipping rain ….
Have done all my financial updates - with being on leave the gardening YNAB pot has taken a battering! Down to -£89.66 - that will have to be topped up after my next pay day.This five week month for the food shops will be a bust: £108.21 left to cover two weeks. No chance 🤷♀️ We will do what we can to minimise the overspend.One small TT of £0.94 to savings - I *so* know how to party! Not …. 😉
Ooh, the sun is shining. Will hare out and get muddy for a bit! 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.4 -
Gave up on the garden on the end - just too showery.I have, however, finally read all of Foxholes thread! What an epic 😊
Off the back of this I have discovered that there is a Her0n store in Cwmbran, where I go every two months for a haircut (yes, this is ridiculous, driving an hour for a haircut, but I have had a longer relationship with my hairdresser than Mr KK! 😉😊) and FH seems to suggest that it is a good place to look for food and especially vegan bargains. My next hair cut, in two weeks, is at 9.30am, so that gives me a good hour to go and have a recce as wading bird shop opens at 8am and I’d rather go in when it’s quieter. Quite chuffed about this - hope it helps. 🤞
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.3 -
I'm impressed you even attempted gardening today if your weather is anything like ours! I've stayed well and truly inside as much as possible!4
-
Cheery_Daff said:I'm impressed you even attempted gardening today if your weather is anything like ours! I've stayed well and truly inside as much as possible!
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.3 -
I now have a date for my uncle’s funeral, in early May. Need to book coach tickets. Hoping I might be able to get CB on those.Looking at what to wear I needed a new (to me) black top.I never seem to have any luck in CSs but did find some possibles on V1nted last night (first time I have used it) - £14 spent on two tops including shipping.
At some point I will investigate trying to sell some of my unworn, never will be worn stuff on there. What doesn’t sell I will then drop off at the hospice shop.KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.2
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards