2018 Mortgage-Free Wannabes

Brambleberry

:j:j:j:j:j:j:j

So very excited, so very grateful, the mortgage is done!

We had an unexpected windfall that we could use to repay the last bit early as the rest of our budget was on track. I'm so glad I decided to get my spending under control in 2014, it has made a huge difference!

Many many thanks to Pawlala and Hiddenshadow for running this challenge. I'm utterly delighted to report my final OP as #110 for the year of £2700. :j:j

Dobbibill

Brambleberry wrote: »

:j:j:j:j:j:j:j

So very excited, so very grateful, the mortgage is done!

We had an unexpected windfall that we could use to repay the last bit early as the rest of our budget was on track. I'm so glad I decided to get my spending under control in 2014, it has made a huge difference!

Many many thanks to Pawlala and Hiddenshadow for running this challenge. I'm utterly delighted to report my final OP as #110 for the year of £2700. :j:j

Congrats Brambleberry - that's brilliant news. :T

wishingthemortgaheaway

Congratulations fabulous news.
What are you going to do to celebrate?

f0xh0les

Congratulations Brambleberry!!!

clairebear_london

Congratulations Brambleberry! :T
As I'm a relative newbie to this mortgage thing - do you have any pro-tips for how to keep the motivation going? How long did it take and what would you do differently (if anything?)
Thanks
Claire

teameffort

Brambleberry wrote: »

:j:j:j:j:j:j:j

So very excited, so very grateful, the mortgage is done!

We had an unexpected windfall that we could use to repay the last bit early as the rest of our budget was on track. I'm so glad I decided to get my spending under control in 2014, it has made a huge difference!

Many many thanks to Pawlala and Hiddenshadow for running this challenge. I'm utterly delighted to report my final OP as #110 for the year of £2700. :j:j

That's fantastic news Brambleberry and great inspiration. _party__party__party__party_

beanielou

Great result Brambleberry

Brambleberry

Thanks for all the thanks everyone!:beer:

This forum has been my biggest inspiration, I've lurked for many years, popping in and out to post, but only got really serious last November when I thought about joining the MFW challenge board and tightening my budgeting belt a bit more (wish I could do that with my actual belt :rotfl:)

I'd been budgeting and squirrelling hard for a while, but not really getting a proper handle on things until 2014, and I think we've been so very lucky since we did that, because when spare money showed up or was left over, ie more than the amount set for adding to the emergency savings or other budgeted pots, we have been able to say "that's an OP right there".

I loved the idea of Tilly-tidies, but I wanted a tidy balance on the mortgage, so I started rounding overpayments to get it to the nearest ten, then fifty, then hundreds when I could. It got easier to do a bit more once I got my emergency fund set aside.

Our MFW spreadsheet looks amazing, just thinking about how much borrowing all of us on this forum have repaid is brilliant, so many people inspiring each other. Thank you all for your inspiration folks!

pawlala

Unicorns wrote: »

Hello,

Could I join this thread please, I opened a new bank account today and I can see my mortgage on there. so I can see my payments and the interest :eek: I just paid approx £950 in interest. :eek::eek:
And if that's not motivation to pay my mortgage down then I don't know what is.

I'd like to over pay £6,847.26 for now and next years challenge please. :A

Thank you

welcome #55

pawlala

wishingthemortgaheaway wrote: »

Congratulations fabulous news.
What are you going to do to celebrate?

Upsize, get a new mortgage and join MFW2019 of course!