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SF's road to mortgage freedom!

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  • beanielou
    beanielou Posts: 95,725 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy holidays :j
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Goldiegirl
    Goldiegirl Posts: 8,806 Forumite
    Part of the Furniture 1,000 Posts Rampant Recycler Hung up my suit!
    Hi, I've just been browsing your diary- just wanted to say what a fab holiday you have planned. It sounds very exciting.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • ljaneyr
    ljaneyr Posts: 1,135 Forumite
    Tenth Anniversary Combo Breaker
    Hi SF

    Happy Easter holidays! I have felt so dozy today as I always do at the end of term. Looking forward to recharging the batteries!

    Your holiday plans are making me feel *slightly* less guilty about ours. We're in the process of booking 2 weeks in Greece including visiting various sites on the mainland and a week on one of the islands. Our estimated cost has almost doubled, what with flights, internal flights, hire cars, airport parking, insurance, hire car insurance, fees for this that and everything else... :eek: I keep thinking we should have just saved the money and booked a cheap package holiday at a fraction of the price! OH keeps having to remind me that we only live once, and it will probably count as our honeymoon as we won't be able to afford one once we start the work on the house.

    Just remember most people would still be paying for a holiday like that for years afterwards and you deserve it for all your hard work and saving!

    Have a lovely and relaxing holiday :)

    Janey
    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    Bought our house 2012 :) Married 2015 :D Started renovating 2015 :eek:
    Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Phew!

    Sorry for the absence - since the start of the Easter holidays I've been decorating our kitchen and it's finally finished :j I seriously underestimated how long it would take me to paint some walls and cupboards :o:o we also chose chalk paint for the cupboards which then required two coats of wax on top so lots of waiting in between coats too!

    However, now that it's done, it looks lots better and I'm quite proud of my first decorating project :) it's much lighter and airy in there so I'm happy :) it cost us about £140 in total for all the paint/wax/brushes so a lot less than a new kitchen too, so that's a definite bonus :)

    In other news, I'm not doing well with NSDs this month :o I need to get my focus back! As it's the holidays, I seem to be spending something everyday, even if it's just a small something. It's much easier not to spend when you're at work... :o

    Is it wrong to want a nap this afternoon? Decorating is stressful!

    ljaneyr - your trip to Greece sounds lovely. I've been to Greece three times and it's such a beautiful place to visit.

    Goldiegirl - I am very excited about it :D

    beanie - happy holidays indeed :j :j
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • ljaneyr
    ljaneyr Posts: 1,135 Forumite
    Tenth Anniversary Combo Breaker
    Hi slowlyfading :hello:

    It sounds like you've been busy!

    It feels so lovely to finish a room and to have it looking all nice and fresh! Before we moved in I painted pretty much the whole house white. It took a whole month and was sooo boring painting endless walls and ceilings the same non-colour, but it was cheap and it certainly freshened up the shiny orange, mustard yellow and bright pink walls :eek:

    We went to Crete about 9 years ago and had a fab time. It is such a beautiful and friendly country and I love the food! Really looking forward to it now!

    There's nothing wrong with a nap now and then, you won't have much chance for one next week! :(
    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    Bought our house 2012 :) Married 2015 :D Started renovating 2015 :eek:
    Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...
  • Afternoon naps are the law in a school holiday....
    Mortgage outstanding: [STRIKE]£47,750 (August 2014)[/STRIKE] [STRIKE][/STRIKE]£46,950 (Nov 14)[STRIKE][/STRIKE] £44,900 (June 2015)
    Student loan: Paid off June 2015 - 10 years & 2months.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Afternoon naps are the law in a school holiday....
    I like your thinking...! :D

    Happy Easter everyone :) :EasterBun
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Happy Easter SF and well done on the kitchen :T
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thanks DFW :)

    In other news, I'm so not ready for it to be the start of term again tomorrow :(
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Thanks DFW :)

    In other news, I'm so not ready for it to be the start of term again tomorrow :(

    Nor me. :( At least it's only inset for me, and although DS and DD have got school tomorrow, DS doesn't need his PE kit until Wednesday.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
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