MFW: Next step towards total freedom!

Frith

Well done!
My brain immediately conjured up “Tonight’s the night for dancing”! Possibly the Nolan sisters! 

kimwp

Congratulations @caeler!! I too felt a little numb and I wondered if it was the fact that it had taken up such a big space in my head, budgeting, counting down the months....but then when it came to it, nothing physically changed. So it felt like a bit of a let down almost. 

I ended up doubling down and starting to save even harder for retirement - it's taken a couple of months to relax and say to myself that retirement is important, but not to the extent that eg I can't buy the things I planned to after becoming mortgage free and enjoy the freedom of the additional money. First thing was bought yesterday (new walking boots ) and it's helped me to realise that I finally achieved it

FtbDreaming

Absolutely amazing! You’re not going to know yourself when you don’t have to put all your wages on mortgage payments. 

I would definitely try and enjoy yourself after you’ve rebuilt a bit of an emergency fund! You said you’re not even 40 yet. Life is for living now so make the most of it. I know MSE has a big focus on pensions etc but there’s no guarantee that any one of us will live to draw our pension. I’d just contribute to pension at a standard rate and then use your savings from the mortgage to live comfortably and make the most of everyday! 

Really really well done! You’re my MFW inspiration. I hope to be starting a 365 day countdown in another 5 years lol! X

Grogged

Big congrats on being mortgage free, a massive achievement!
Whilst I cannot be mortgage free today, I am having a mortgage free day, so have OP a days interest in solidarity.😆

misslolu

Woooo! Congrats @caeler you're officially mortgage free! That's amazing! Well done to you, now you can live your life and spend all the money you want on whatever you want ha ha.

Poppycat1

So pleased for you, well done.  You inspire me to keep going.  

bubblycrazy

Congratulations and a massive well done! Before 40 is my goal too, fantastic achievement!
No longer will you have a monthly bill to pay for your home, you own it outright! 🎉🥂 

eat_that_frog

Wowowowow! @caeler that's absolutely amazing! Really what a great achievement. And before 40 as well.

I can understand the bit about being numb. I think you might feel it a bit more when you don't have to make your normal monthly mortgage payment. I was mortgage free once before on my first starter home, and that's when it hit me, when I realised I had an extra £600 in my account each month!

I hope you have fun with your mortgage freedom bucket list!

slm6002

Congratulations on becoming mortgage free - you have done really well to stay so focused and make it before your 40th birthday.  Big well done

caeler

THANK YOU so much for all the congratulations!  So thoughtful and lovely of you all.  I'm feeling a bit overwhelmed today but I'm sure the news will sink in soon!