Earthgirl's Final Battle

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  • apple_muncher
    apple_muncher Posts: 14,726 Forumite
    First Anniversary Mortgage-free Glee! First Post Name Dropper
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    What a lovely feeling - breaking up for the summer! Although your summers are usually rather busy!!!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
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    Just a quick banking update as I'm waiting for the students to arrive any minute!

    I now have most of the mortgage offset in savings/ investments. If I had to hand over everything I'd owe £545!!

    Have 13 items on ebay, and have one weeks pay due to me from student teaching on Friday. I also have the lodger paying on Monday (£400) so I will hopefully be mortage neutral by Saturday :) BUT this does not allow for everyday payments and bills coming out in July. However I get paid two more weeks of student teaching by then, so I will officially be mortgage neutral on 15th of July with one months expenses. Funnily enough this is the exact date of my 38th Birthday!

    So close!!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    So, mortgage neutrality this month, whichever way its calculated
    :j:j:j


    Have some cake :bdaycake:
    2023: the year I get to buy a car
  • Needhelpsaving
    Needhelpsaving Posts: 1,083 Forumite
    First Anniversary Name Dropper First Post
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    :beer::beer::beer: Cheers to being almost mortgage neutral!

    A huge achievement that is well deserved.
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • Downshifterella
    Downshifterella Posts: 208 Forumite
    First Anniversary First Post
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    Amazing earth girl!! What an achievement! Enjoy some well deserved Celebrations !!! :)
    MF planning for the simple life :beer::j
  • julicorn
    julicorn Posts: 2,283 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    Congratulations, that is an amazing achievement! :money: :j
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • apple_muncher
    apple_muncher Posts: 14,726 Forumite
    First Anniversary Mortgage-free Glee! First Post Name Dropper
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    :T:T:T:j:j:j YAY!!!!!:j:j:j:T:T:T
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • TallGirl
    TallGirl Posts: 5,566 Forumite
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    Great news well done you you do work so so hard well deserved
    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Mar  £30,850 + £12K added to pension) (Wins 24 Jan £200 Feb £150 Mar £75 Apr £125) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • beanielou
    beanielou Posts: 90,434 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Be proud :grin:
    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.
  • greent
    greent Posts: 10,671 Forumite
    First Post Name Dropper First Anniversary Photogenic
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    Whoop! That is fantastic! :j x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
★ ★ ★ Meet your Ambassadors

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