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bitbybit's road to freedom

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  • family355
    family355 Posts: 170 Forumite
    Third Anniversary 100 Posts Name Dropper
    Congratulations @bit_by_bit on your retirement & Mortgage freedom 🎉🙌🏼
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Congratulations :)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • South_coast
    South_coast Posts: 5,878 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Congratulations 🍾
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • bit_by_bit
    bit_by_bit Posts: 1,155 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thankyou@caeler, @family355,@ gallygirl and@South_coast. 

    As I walked out the door lady, who had directed me to where I needed to go, congratulated me said 'well done' and I heard her telling the other lady who said 'wow, thats amazing',😁

    I don't usually need affirmations of things but this is a big deal. I felt like I was on cloud 9. Feel much the same today tho' I was buzzing so slept badly. :)

    I chequed my bank online today and the cheques are listed as pending. Going to work off some endergy decluttering the craft room/room of doom. :)

    Wife, mother, gardener, nurse, Big C survivor. Officially retired at 55 2021 [/b][/b].Mortgage free April 2021Challenges 2024: Decluttering Campaign 32/100 bags plus 0 large items. Make £2024 in 2024#8 £0/£2024 Using my craft stash 0/52 Reading books 0/52 Donations for the CS/washing done from others (in and outs) in 2024 x 10 bags and 0 large items.
  • bit_by_bit
    bit_by_bit Posts: 1,155 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Well, it has finally arrived. I have the letter to say I am officially mortgage free and I am over the moon. 🎈🎈🎈🎈🎈

    I have finally got to the place where I want to be and am financially secure, free to live how I want and not get up in the morning if I don't want. I am not money rich but am very satisfied with what I have. It is enough.😊

    I am glad I found MSE and all the experts on here with whom I have travelled. I wouldn't have been in this position if I hadn't.

    My next target is to have a quiet life for a while then go travelling when my DH retires in January. That is subject for another diary, or maybe even a blog..............


    Wife, mother, gardener, nurse, Big C survivor. Officially retired at 55 2021 [/b][/b].Mortgage free April 2021Challenges 2024: Decluttering Campaign 32/100 bags plus 0 large items. Make £2024 in 2024#8 £0/£2024 Using my craft stash 0/52 Reading books 0/52 Donations for the CS/washing done from others (in and outs) in 2024 x 10 bags and 0 large items.
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Such awesome news  :)
    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.
  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Absolutely amazing I am so happy for you! This is what we’re all working for. I’m not expecting to be money rich ever but it would be lovely to be free from as many financial constraints as possible xx
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
  • bit_by_bit
    bit_by_bit Posts: 1,155 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Many thanks @beanielou and @FtbDreaming. Its a great feeling. All the best to you both.  :smiley:
    Wife, mother, gardener, nurse, Big C survivor. Officially retired at 55 2021 [/b][/b].Mortgage free April 2021Challenges 2024: Decluttering Campaign 32/100 bags plus 0 large items. Make £2024 in 2024#8 £0/£2024 Using my craft stash 0/52 Reading books 0/52 Donations for the CS/washing done from others (in and outs) in 2024 x 10 bags and 0 large items.
  • Cornish_mum
    Cornish_mum Posts: 669 Forumite
    Fifth Anniversary 500 Posts
    Congratulations!! That’s wonderful news
    CM
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