We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Countdown to Freedom

16386396416436441037

Comments

  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Great news about the mortgage. It must be a huge relief and such a nice feeling knowing that you are safe :).
  • @MCI, definitely not going too mad but after so long of not being up to doing much it is an absolute delight to be up and about.

    @SD, that's exactly how I feel, safe. We're no where near to being MF, but we are in a fortunate position. This would never have happened if we hadn't changed our ways entirely.

    I'm definitely much happier living our new life and don't take anything for granted. I think that's a key lesson. Fortunately we learnt it before it was too late :)

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Morning, looking forward to a personal training session with my DS tonight :)

    11p Tilly Tidy to MOS

    We have a few things on this week so small spends - budget £40. I've taken the cash out to help us stick to it.

    Dinner and lunches are from stocks/freezer all week and nothing to actually make until Wednesday - if then. Very likely to pull something else out of the freezer :)

    Best wishes Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You're sounding chipper :T:T:T
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Great to hear all the positivity Mrs T:T:T
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,854 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    edited 18 February 2014 at 7:51AM
    Hi GG and Brizzle, yep, feeling much more like myself again :)

    Dieting and exercise is going to be top of my list for a while. Not sure what that means yet, but hopefully enlightenment will follow - for me :rotfl:

    NSD in the bag :)

    I've had time to think about a tricky challenge at work and how to tackle it :)

    DM will be packing her bags to come back again, now that good health abounds :)

    Dinner this evening was delish - love having a well stocked freezer :)

    Right, enough smiley faces, I'm off to bed.

    Night, Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Dieting Tilly? I can help with that!
    T;)
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

    Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Hi Thistle, I'll be in touch :)

    How's the pain now?

    Tilly x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Hurdler
    Hurdler Posts: 1,361 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Just catching up - great news on the mortgage front :beer:
    • Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033
    • MORTGAGE FREE: September 2015
    • MSE 1p Savings Challenge 2024 #50: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec = £223.84/£671.61
  • nattypants
    nattypants Posts: 2,577 Forumite
    Awww Tilly, I wish I had time to post and read more this morning. Your careful planning has paid dividends, having secured enough of these (through bl@@dy hard work!) ---> 💷💰💴💵💵💷 has effectively placed you in a scenario whereby the mortgage is paid off and EVERYTHING else is now a bonus.

    Go team tilly 👍
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.