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Baby steps to being MORTGAGE FREE!
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La_Orana
Posts: 2 Newbie
Hello!
Like many others in this forum, I have been a long time lurker. I have finally decided to take the plunge and start my own diary to help to keep me on track and focused on paying off our mortgage as soon as possible! We are currently in the process of building our forever home and although we don't have the funds to completely finish it, we are looking forward to moving in and starting the next chapter of our lives in our new house.
A little about me:
I am cursed with expensive taste but don't have the budget to match! I have always been the type of person to life for the moment and make the most of life (often funding extravagant holidays using 0% credit cards!) I have the 'You only live once' mentality and strongly believe that we need to make the most of lives, and appreciate what we have. I am incredibly lucky that I have the most loving family that I could possibly wish for.
I am currently on maternity leave but i'm returning to work at the end of this month (hence the reason why I thought now was a good time to start my diary!). After a spendy few years, (wedding, honeymoon and house building!) I have really had to reign myself in whilst being on maternity leave which has definitely made me realise that I want to be 'Financially Independent' and not tied down to having a mortgage for the next 22 years!
So here is a brand new diary where I hope to share my successes (and knowing me, no doubt plenty of financial failures!) whilst being sensible with my money but also not forgetting to have fun!
Here's to new beginnings! :beer:
Like many others in this forum, I have been a long time lurker. I have finally decided to take the plunge and start my own diary to help to keep me on track and focused on paying off our mortgage as soon as possible! We are currently in the process of building our forever home and although we don't have the funds to completely finish it, we are looking forward to moving in and starting the next chapter of our lives in our new house.
A little about me:
I am cursed with expensive taste but don't have the budget to match! I have always been the type of person to life for the moment and make the most of life (often funding extravagant holidays using 0% credit cards!) I have the 'You only live once' mentality and strongly believe that we need to make the most of lives, and appreciate what we have. I am incredibly lucky that I have the most loving family that I could possibly wish for.
I am currently on maternity leave but i'm returning to work at the end of this month (hence the reason why I thought now was a good time to start my diary!). After a spendy few years, (wedding, honeymoon and house building!) I have really had to reign myself in whilst being on maternity leave which has definitely made me realise that I want to be 'Financially Independent' and not tied down to having a mortgage for the next 22 years!
So here is a brand new diary where I hope to share my successes (and knowing me, no doubt plenty of financial failures!) whilst being sensible with my money but also not forgetting to have fun!
Here's to new beginnings! :beer:
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Comments
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Best wishes with the new dairy
MFW 67 - Finally mortgage free! 💙😁0 -
Welcome and very best of luck.MortgageStart Nov 2012 £310,000
Oct 2022 £143,277.74
Reduction £166,722.26
OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
2022 MFW #78 £10200/£12000
MFiT-6 #28 £21,772 /£750000 -
Happy shiny new diary 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.0 -
Welcome :jCar Loan: £13,609.66
Emergency Fund: £150 / £500
Mortgage £140,000( House value £165k 2013)]0
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