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MFW: Next step towards total freedom!

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  • Ami-Rose
    Ami-Rose Posts: 112 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    AHH, I'm just checking in and it's so exciting to hear you'll be done early! Amazing news. :) That's just over 7 weeks away! Crazy when you think of it that way.

    How's your post-mortgage bucket list coming along?
    MFW: Starting balance, Jan 21: £102,950
    MFW21 Challenge #25
  • @caeler I wanted to buy an egg chair from the aldi garden shop this morning but I was too late, they'd already sold out when I looked an hour after they opened  :( Left it too late clearly.  Well done on getting your greenhouse!
    Mortgage free as of March '25!
    £240,000 paid off in 4 years, 8 months and 18 days (July '20-Mar '25)
    Mortgage paid off 19 years early.

    2025 MFW #40

    2025 Goals

    Pay off mortgage of £55k for good! - £55k/£55k paid - mortgage free!!!
    Keep emergency fund at £10k - £10k/£10k - goal met!
    Lose 12 kgs - 3/12 kgs lost so far
    Try 1 new activity/experience as a family each month - 0/12 new activities/experiences tried
    Decluttering - declutter 500 items from house and outbuildings - 136/500 items so far
  • Lauraebrad
    Lauraebrad Posts: 185 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Wow @caeler I've just caught up on your diary - how exciting it must be to be 50 days off neutral!  Bravo :-)

    Aiming for mortgage free by September 2030

    Balance 1.1.20 - £69,701.80
    Balance 1.1.21 - £63,699.80
    Balance 1.1.22 - £57,762.80
    Balance 1.1.23 - £53,074.20
    Balance 1.1.24 - £47,902.00
    Balance 1.1.25 - £44,141.20

    over payments 2025 = £1,390/£1,500 /// invested 2025 = £900/£1,500 = TOTAL (YTD) £2,290/£3,000
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    A month to go, how time flies!
    (Can't find the envious emoji 😆)
    If it's not adding up, compound it!
  • caeler
    caeler Posts: 2,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    edited 7 March 2021 at 9:17AM

    Thanks for stopping by!  @grogged @Lauraebrad

    Nothing new added to the post mortgage bucket list @ami-rose in fact I've ticked something off it by buying the growhouse and potting bench! I figured they’d sell out quickly so I couldn’t wait! 

    44 days to go which is just over 6 weeks away! It’s feels surreal that there is just one more normal monthly mortgage payment to go out. Daily interest is now £2.48. 

    5 NSDs so far this month. I’m sticking to the tight budget I’ve been working to since the beginning of the year. This is helping me already start to build back up the emergency fund which gives me a bit of a buffer between monthly bills and the “unexpected”. 

    I’ve been out in the garden this weekend. Major prune of my pyracantha that I let take over a bit. It’s now cut back down to size and there is room for lots more plants! My new potting bench is assembled, really impressed with the quality. Still waiting for the growhouse to arrive. 

    The egg chair says it will be back in stock soon @eat_that_frog I hope you can get one! 

    This update was brought to you by “Care of Cell 44” by The Zombies:

    https://youtu.be/afrdo2qneoI

  • Porridgecat
    Porridgecat Posts: 311 Forumite
    Third Anniversary 100 Posts Name Dropper Photogenic
    Just read the whole of your diary Caeler, I can only say that when I get to that close I'm going to be shouting it from the rooftops and boring all and sundry to tears with it.
    Mortgage Free 23 December 2020
    Savings £9671 / £20 000 goal
    Emergency Fund £216 / £1000 goal
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Three more days and you can play any song from Sum 41! Or is it? I can't count.

    Have you received the grow house yet? Would love to know what you think of it.
  • caeler
    caeler Posts: 2,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Have you received the grow house yet? Would love to know what you think of it.
    It arrived this morning! I suspect I won't have chance to build it until the weekend although I also ordered a potting bench which arrived last week so I've built that and I'm very impressed with the quality and sturdiness so I am optimistic about the growhouse. 
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ahh! It's here! I find the aldi/lidl stuff are usually really good quality.

    When do we get to play https://www.youtube.com/watch?v=9jK-NcRmVcw ?
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