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Follow the Yellow Brick Road 2023
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I totally read that as "I ended up with some ornamental grass, daffodils and a pony" 🤦♀️🤣!
Great to read about the positive impact your changes are making 👍Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
SandyShores said:
I've just been trawling back through my thread as I'm sure kajikita and savingholmes gave me some plant suggestions once upon a time but can I find those threads, no. Anyways, plants are planted and bark is laid. All looking very good. And it was so sunny, hopefully spring is springing.
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £227 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.1 -
I’m always up for talking plants …! 😉 What kind of areas are you looking to plant up? What kind of plants do you like? 😊
KK
I've also got a bed up the right hand side with shrubs in. The shrubs are growing taller and I'm trimming their underbranches off so there's space appearing for flowers. I've added a few daffodils and I've a pot of tulips I'll be adding. Any suggestions for things that are hardy but pretty.
@SouthCoast yes please to the pony, but probably not enough room in our 3 bed modern house"Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Makes me think of Hyacinth Bucket and her sister that had the Mercedes, a sauna and room for a pony 🤣Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
South_coast said:Makes me think of Hyacinth Bucket and her sister that had the Mercedes, a sauna and room for a pony 🤣
ps I just read my thread again and it would have been a pink ponyand I've got a bed in the garden too - less Hyacinth and definitely more Onslow
:). And I love how I've put the full latin name of the ornamental grass - just because that's what was on the label but does sound very Hyacinth 'my Lomandra longifolia'.
"Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
No PB win today, oh well there's always next month.
However..... MrShores decided to organise his personal pensions and take a tax free lump sum, so part of that is currently making its way to the mortgage as I write. It means our equity is now way over our target 40% (signature to be updated shortly). There's a bit more to follow but we've now reached maximum OP until remortgage time, so I've just set up a savings account - only 3% interest but I'll put all the planned OPs in there until the time comes. Definitely feeling so much better about our chances of being mortgage free by SPA.
"Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga1 -
That’s great news on the OPs!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)2 -
Thanks @debtfreeoneday, its a relatively small amount compared to the whole mortgage but its an amazing feeling to be getting near the 100's. I'm now thinking seriously about whether I take mine earlier (was planning next year) - I'll be getting the calculator out this weekend
Edit: Oh, and the monthly payments on remortgage will be way more affordable now, which gives us wiggle room or overpayment ability."Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Small steps lead to big things. Every OP makes a difference. I remember making my first ever Op of £125 and thinking I could have done so much else with that money but then someone pointed out to me that’s £125 I’ll never pay interest on again and so I started sending anything to the mortgage 1p, 5p, 10p. My mortgage company probably hated me with the amount of OPs I made. It used to be daily at times. 😂DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Well done on your OPs. Great progress.
I love plants. I like things with structure. Hellebores flower for months over winter. I love sedum autumn glory. Good way of extending your flower/interest season beyond the plants you mentioned. I love aquilegia tall and delicate for around May.
Radish seeds produce tall white flowers very cheap and quick to grow. Fennel too... perhaps cheap packet of wildflower seeds to fill any gaps?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251
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