-
Mortgage Free Plod
Hello MFWs I'm de-lurking after living vicariously through you all for a very long time. I've exchanged on my first house today! So now I'm a MFW too. My context: I'm a divorced, single mum (1DS). We'll be moving into a little 2-bed house with our moggy. I've taken out a 95% repayment mortgage over 27 years, which takes me…
-
Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Hi all 😊 I'm Cheery 😊 By name and (usually 🙄) by nature. I've been around here for many years, taking in all the excellent wisdom and trying to use as much of it as possible 😊 We are two, Mr Cheery and I. We have been together for over 18 years 😮 We moved to the countryside six years ago, gained a large mortgage, and a…
-
Pay off mortgage and start having even more fun 😁
Finally after twelve years of part one of this diary it’s time for part two 😆 Heres part one, slightly lengthy now to say the least! https://forums.moneysavingexpert.com/discussion/2408201/pay-off-mortgage-and-start-having-fun/p1 So condensing 12 years into a few sentences…. I joined the mfw board in April 2010, with a…
-
Knocking years off the mortgage…that’s the goal!
Good morning! So thought it was time I started a diary so I can keep track of progress we have made. Bought our home in 2019 with a £240000 mortgage. Consistently overpaid £100 a month for the last 4 years and now starting to tackle the mortgage seriously, we are able to overpay around £600 a month so we are clearing 2…
-
Impossible challenge
Hello! Trying to keep motivation so decided to stop lurking in the shadows and start my own thread. Family of 4 (2 adults and 2 children) with a very large mortgage of now £470k over with just over 23 years left. 1.5 years into a 5 year fix (thankfully a cheap one). OH and I are fortunate to have well paying jobs but…
-
+++ Divide By Cucumber Error. Please Reinstall Universe And Reboot +++
My third diary. <<<out of cheese error>> documented our debt free journey and then paying off the mortgage +++ Whoops! Here comes the cheese! +++ focussed on early retirement plans, and then my first year as a widow. This time I will be focussing on a positive new start in my brave new world. Final stages of renovating a…
-
The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
-
Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
-
22 Foxhole East
I just made my first mortgage overpayment. We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!). So far I have…
-
Living the Good Life - mortgage free and living in line with our values
Evening all, I thought it was time I started a
new diary, as we've now been mortgage free for 18 months and the last pesky bit
of mortgage debt (on the 0% card) went in October. We're now almost through Mr
MV's 40th, Christmas, New Year and my 40th (coming up next week), so it seems
like a good time to start afresh and…
-
Thank god we paid the mortgage off
My previous diary was pulling my frugal pants on. I decided to start a new diary because, well because our new start that we had planned isn’t going to happen. So dad’s house sale finally went through and we’d decided that we would use my inheritance to offset OH dropping a day at work. Money would be tight but doable.…
-
The second hurdle - Nichelette v the huge mortgage
Hello! I thought I would start a new diary as we attack the second phase of our mortgage... In Jan 2019 we bought our first (lovely, but little) house for 320k with a 10% deposit. South east prices :s . With the fees we began our journey with a mortgage of £289,500 over 30 years. To be honest, whilst it was affordable to…
-
I dream of a MF home for my plants
I’m starting myself a diary here after spending the last few days reading and lurking on the site. I used to have a diary over on debt free wannabe many years ago that was super helpful in getting my debt paid off. I can’t remember my old log in so am starting afresh. I have 12.5 years left on the mortgage - it’s split…
-
Investing in Us: Holidays, Health, and the Road to £150k
New diary for 2026 (I know I am a little early)! The last year has
been so up and down for me, I would like some fresh energy and a new
focus. If anyone is following me over from my old diary, then they
may know I moved house end of 2024 and upped my mortgage from a
comfortable sub 100k to approx £120k. Then this summer…
-
And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
-
Apple muncher's number crunching
Time for me to start a diary :j. I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a…
-
Five Year Fix, Five Year Plan
I've not even got a mortgage yet, but here I go. I'm finally getting on the housing ladder and settling, after living around the country for the last decade. I've been in a position where "I'm just about to buy" for about 8 years for various reasons, so while I've not spent well, I could have saved better instead of…
-
This is it! 2027 is the goal...update
Hello I have been lurking around these boards for the past year, I have finally made the decision to start a diary to track the progress of my goal. I'm hoping that it will hold me accountable and perhaps inspire others along the way. As of May 2019 my mortgage balance was £118, 842 4 years into a 10 year fix over a 20…
-
Prosperous and Creative Soul Year 5
Close to 4 years ago I finalised my divorce and completed on my biggest ever mortgage - £202K and switched from interest only between 2 of us to repayment on my own. I took the term for as long as I could - so 22 years - which means I would be 73.5 by the time I was actually free. Then I owed c£1.5K on a 0% but had a £2K…
-
MF by Christmas 2024 - let's do this!
Hi everyone, I’m taking the plunge and starting a MF diary as DH and I
want rid of the millstone around our necks. We both work full time and are currently supporting DS2 who
is in year 2 at uni. DD finished uni in the Summer and has a temp job so we aren’t
charging her rent atm. DS1 lives with his GF so they are…
