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Mortgage free in Forever Home :-)

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  • redofromstart
    redofromstart Posts: 5,867 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    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
  • KajiKita
    KajiKita Posts: 7,860 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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
    My next door neighbour has horses and has offered me some of her (horse’s!) poop, but I worry about aminopyralid residues and similar.

    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 = £12,048  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. 
  • Suffolk_lass
    Suffolk_lass Posts: 10,321 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    Save £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 here
  • KajiKita
    KajiKita Posts: 7,860 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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
    Ah, that’s interesting. I’m guessing more research has been done (there has been the opportunities to observe more) on how it degrades, how long that process takes etc.

    I will ask my neighbour if she has any two year manure she doesn’t want. 

    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 = £12,048  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. 
  • KajiKita
    KajiKita Posts: 7,860 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 10 April 2023 at 10:30AM
    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! 😊

    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 = £12,048  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. 
  • KajiKita
    KajiKita Posts: 7,860 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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. 🤞

    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 = £12,048  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. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,248 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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!
  • KajiKita
    KajiKita Posts: 7,860 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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!
    I looked at it, put my feet on, went down to the greenhouse to water it, refilled the two cans from the butts and then it started again so I gave up! 🤷‍♀️ So not much really! 😂

    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 = £12,048  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. 
  • KajiKita
    KajiKita Posts: 7,860 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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.

    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 = £12,048  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. 
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