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Follow the Yellow Brick Road 2023

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  • South_coast
    South_coast Posts: 5,935 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    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!!!
  • KajiKita
    KajiKita Posts: 8,004 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic

    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.
    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
    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 = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    KajiKita said:

    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
    Its only a small patch Kajikita, maybe 1m deep by 1.5m wide - at the bottom of the garden - I want a country garden type effect with taller flowery plants.  I'm really pleased with my Lomandra longifolia grass that I've planted up in the middle at the front.  Then the pink peony is in the back right.  I'd like a few giant alliums and an Oxeye daisy most probably.  I'd like something pink or purple - thinking dianthus and agapanthus?

    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 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • South_coast
    South_coast Posts: 5,935 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    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!!!
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 3 March at 10:14PM
    Makes me think of Hyacinth Bucket and her sister that had the Mercedes, a sauna and room for a pony 🤣
    I'd take all three 😂🐴🚘🧖‍♀️😂 and perhaps I could be called Mercedes 😂.  I've got a cat, a 12 year old car and a gym membership though and I love all 3.  I love that programme too, our Onslow 😂

    ps I just read my thread again and it would have been a pink pony :) and 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 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    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 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    That’s great news on the OPs!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • SandyShores
    SandyShores Posts: 1,985 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 5 March at 6:03AM
    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 :smile:

    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 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    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)
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
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