I did it!! :)

limpy-jim

Well Donw you!!! I am about 18 years behind you , although could get it to 5 if we work hard at it!

liuhut

Congratulations x

Bubblette_2

Thank you for your congratulations - it's not quite sunk in properly yet, maybe on the next payday when I have some more spare cash! But for celebrating we had a family champagne tea - doesn't sound too mad, but no way would I have spent £30 on a bottle of anything before! Then with next month's pay we're off to a spa break to splash out After that it will be sensible things on the house - new doors, windows etc. And non-sensible things like holidays, expensive handbags and gladrags :j
I think the way I did it was just to squirrel away any spare money I had and to think twice about if I needed what I was buying - and quite often leave the shop to think about it and go back to buy whatever it was if I still wanted to and chances were I didn't! Don't let set backs put you off - my boiler blew up and my car fell to bits which set me back quite a bit, but just stick to your plan like glue. Also, I would put any overtime money in the offset savings - I figured I could survive on my regular salary so I wouldn't miss the overtime - and i was lucky enough to get a promotion about halfway through so I put the extra I got in the pay rise in as well which helped. But just keep squirrelling away - I would increase how much I put away to see how much I would actually miss each month. I did a bit of stoozing as well - balance transfers before fees when they were worth doing and also with 0% purchase cards. In fact, mostly things I read about on this forum!! So I'm glad if this has given people here extra motivation to be mortgage free because it was here that I got the belief it could actually be done and the tips and tricks to do it! A massive thank you to everyone and good luck with your respective mortgage free journeys - well worth the discipline to get to the end :beer:

mrso2b

Well done!

How much did you have left to pay and how much did you pay per month if you dont mind me asking?

golfiematt

inspiring stuff