Mortgage start: April 2024 - 295k Current £256k
Emergency fund: 13.5k/15k
Current mortgage free year: 2054 2039
Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
The little joy list
Books read: 41 (2024) | 12 (2025)
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Little big milestones
Comments
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shangaijimmy wrote: »how do you post the table in here?
It's an image SJ, take a screenshot of your spreadsheet, crop, upload somewhere, and link to it here.
Echoing Kittenkirst - amazing progress made in six years DK!1 -
two years since my last update...how time flies!Apologies, have not been good at updating this...have just let things tick over.Firstly, I am very fortunate that I am still able to work with the pandemic etc, which I am really grateful for.In my last update the mrtg balance was £52k...so have been chipping away, and also used money I had in some shares and also the money that was saved for a car was thrown at the mortgage...so the balance currently stands at....£4kVery excited now...all being well...when I get paid this month, along with some savings, we should be able to pay off the balance
It has been a journey to get this point and I can't wait to post on the mfw roll of honour!Thanks for everyone's support over the years, and wish everyone well on their own journey.d^k
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Wow congratulations 👏Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20221
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Loved reading your diary, very inspirational. Congratulations on you mortgage freedom which must feel incredible.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1
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What a great feeling. I hope you are able to celebrate in some way. Way to go.Mortgage start date Dec 2015 - $64,655.00
Mortgage end date Dec 2045 - NOT!!!!
Mortgage balance - $4600.00
Business Savings $43,310/100k
Hope to be mortgage-free by end of 20231 -
longway2go said:Loved reading your diary, very inspirational. Congratulations on you mortgage freedom which must feel incredible.
Thanks longway2go. Does feel really good. More relief than anything else.
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LeighofMar said:What a great feeling. I hope you are able to celebrate in some way. Way to go.
Thanks LeighofMar. Had a nice meal to celebrate.
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A couple of graphs to illustrate the MF journey...
NOTE: Interest for the first 3 years was fixed at £900/month... when the fix ended I dropped onto a variable rate, and interest rates had dropped, so my new monthly interest was £350.I always ensured that I overpaid the difference to my original £900 monthly payment. E.g. when my monthly interest was £350, I overpaid £550.Over time the overpayments increased as my monthly interest amount came down.4 -
Thats amazing. Thanks for posting the advice. Going to have a bit of a read through your diary as it looks like I'm at the start of hopefully a similar journey.
What are you going to do now?2
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