Nearly There ....

Valentine5

Hi there


Can I join in please?!


We are nearly at the end of what feels like a very long journey, although really it's not that bad.


We started with a mortgage of £90,000 in 2001. Having got one child and another in 2007, paying off the mortgage early wasn't something I even thought about - nappies and milk was forefront in my mind for a number of years.


However, fast forward a couple of years and suddenly it became bit more of a 'lightbulb' moment. I can't remember exactly when, but the mortgage was at £40,000 and my husband would save up a chunk of money and pay off some of it. This time last year it was at £27,000 - somehow, now we are at £4,500. Over this last year it has become a bit of an obsession - every spare penny has gone towards it. I have taken on more work, which nearly drove me to insanity, but hopefully, on 1 January 2015 (or as close to) we should be mortgage free. It's become a complete challenge - even to the point where my Mum offered us £5,000 to cut my hours and contribute towards our quest - we actually turned it down (graciously) - it felt like running a marathon and someone giving you a piggy back for the last mile!


I don't feel like we live a frugal life - we've decorated one room complete with replastering, etc, however, we do only own one car and shop regularly at Aldi.


So there we have it - hopefully at the ages of 52 and 43 we can wave goodbye to the big 'M' word ... It's been a slog, but I'm looking forward to the big slap up meal in January to celebrate ..


Lisa

AlwaysThinking

Well Done Lisa! All your hard work has paid off, totally understand what you mean about not taking the 5k so near to the end.

Hope to be in your position one day......sadly it will be a while yet!

Best of luck on the last leg of your MF journey :j

Valentine5

Hi AlwaysThinking


Thank you for your kind words. It's not the most glamorous house - a bit old, cluttered and dusty, but it soon be ours and no one can take it away from us - the thought of being financially secure is great.


I wish you all the best in your journey too, I'm sure it will happen for you.

jodles16

Welcome and wow you have done amazingly! Good bit of inspiration! Just got the song 'its the final countdown...' in my head!

Jodles :beer:

greent

So close - exciting! What a fab start to the new year that'll be!:beer:

Valentine5

Thank you Jodles and Greent ... yes, the Final Countdown - takes me back to my teenage years ... and now my 40's!


Greent - looks like you could be in for a good Christmas next year by your signature - good luck.

greent

Valentine5 wrote: »

Thank you Jodles and Greent ... yes, the Final Countdown - takes me back to my teenage years ... and now my 40's!


Greent - looks like you could be in for a good Christmas next year by your signature - good luck.

All going to plan, yes - we should be MF by this time next year:j