MFW: Next step towards total freedom!

Chiglepig

You can take a bow while we all whoop and cheer!

eat_that_frog

My first thought logging on this morning was 'ooh I must check @caeler's thread for the next countdown tune!'

I am so excited for you and also rather envious, not going to lie!

caeler

I'm glad everybody has been enjoying my tunes so much! @eat_that_frog Your time will come. 

eat_that_frog

I used one of those online mortgage overpayment calculators on my bank's website to calculate how many months I am away from overpaying, assuming I keep the overpayment figure the same every month.

Anyway at this rate I have 107 months to go  I sort of wish I hadn't calculated it to be honest!

caeler

107 payments left is still amazing! And you never know what unexpected things might happen to allow you to pay more.  That's what happened to me. @eat_that_frog

caeler

***After 3049 days I have paid off my mortgage!!*** 

I’m done! Brought to you by Kool and the Gang! https://youtu.be/3GwjfUFyY6M 

I want to say a BIG thank you for all the contributors to my diary and the cheerleaders who have helped me stay focused along my journey. Your advice and words of wisdom have been really appreciated and I’m very thankful to you. 

As soon as I got this mortgage I wanted to be mortgage free but I only got really serious when I made my first major overpayment in 2017.  The resolve and extreme focus came during 2020 and lockdown. What else was I gong to spend my money on!?  It all somehow came together despite the mortgage being a big stretch financially when I first got it. 

Covid has made me feel a little numb about this achievement (as well as pretty much everything else) so it’s passing quietly and discreetly but hopefully in time I’ll be really pleased and proud that I’ve managed to pay it off before reaching 40 years old and the best bit, I’ll be leaving lockdown mortgage free which I never imagined could be possible this time last year. 

Staffordia

Congratulations, an amazing achievement..

TallGirl

Congrats and well done you. You’ll reap the rewards of this for the rest of your life regardless of what direction you take. Do have a little fun too look forward to hearing more about the bucket list spends. 

South_coast

Epic news! Congratulations 🥳🥳🥳🥳🥳!!!

Chiglepig

Whoop! WooHoo! Go @caeler.