MFW: Next step towards total freedom!

eat_that_frog

I don't really know enough about pensions and am determined to learn more about them over the next couple of years. Sounds like you've got a good plan.

When we paid off our mortgage on our first house we felt a wee bit rudderless, I think that's the best word. Because we'd been focussing so much on hitting that target, when we did we were like 'wow amazing...what next?'  Enjoying your mortgage freedom bucket list sounds like a great way to really live in the moment and enjoy your post-mortgage freedom

killerpeaty

90% saving rate would be incredible. However what do you mean by not being able to think about the future. You have lots to work on, like what you're going to do when the world is vaccinated.

Poppycat1

90% is amazing, well done.  I haven't worked mine out for a while but I know it's no where near that.

caeler

Rudderless is a good word. Might be hard for some to understand. I think Covid depression is in the mix too. The mist will clear soon I’m sure. 

killerpeaty

I spent 6 years studying for my professional qualifications (this does not include my university degree) and I felt really quite aimless as well when I no longer had exams. I imagine it is much the same feeling. In the end, I focussed on new goals in my personal life rather than in my professional life. Perhaps it is the same with you, instead of focussing on a financial goal, perhaps you can focus on a skill based goal (I hear jewellery making is very creative) or a leisure based goal (reading those books you might have in the bookcase). Maybe it would help, maybe I'm talking out of my rear end!

Grogged

Perhaps you could think about it differently.
Being mortgage free is a sub goal of your retirement plan.
That leaves you free to concentrate on the remaining goals of the bucket list, EF, pension, etc.
It's a huge achievement, and should be celebrated as such.
But the plan goes on to your ultimate goal.
Keep enjoying it and come back to it next month on what would have been your next mortgage payment day.
Enjoy and take care, G.

caeler

I have received a property alert email from HM Land Registry!! It says Nationwide logged an application today. So I guess it is now official. I own my house!  I assume that means the title has been amended and charged removed rather than its just been received and about to be processed by HMLR? 

Big thanks to @grogged for suggesting I sign up to receive an alert if there is any activity on my property.  

eat_that_frog

That's amazing  
Is it starting to sink in at all yet?

Grogged

Your welcome! 😃
Have you found your rudder yet?

caeler

Thanks @eat_that_frog and @grogged I wouldn't say yes just yet but the advice here has been helpful.  I'm taking each day as it comes and I'm going to come up with a new goal.  Hopefully Covid restrictions will continue to lift and we will start to return to some normality and I think that will help me.  I've also been allowed to book my jabs today so that has made me happy.