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bitbybit's road to freedom

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  • South_coast
    South_coast Posts: 5,880 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Congratulations! It must feel so freeing 😀
    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!!!
  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Wow that’s brilliant news well done!!! Do you have anything left over after paying off the mortgage to treat yourself? X
    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! 
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Fantastic!!!!! Enjoy your freedom!!!!!!
    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"
  • bit_by_bit
    bit_by_bit Posts: 1,155 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thankyou South_Coast. yes. Freeing is exactly the right word :smiley:
    @FtbDreaming.: Thankyou  :) Yes I have actually allocated a third of it to the development of a bespoke campervan idea, world travel, some health related things that need fixing and some fun tools to play with ( a dremel for a start).
    Thankyou @gallygirl. I will.  :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.
  • bit_by_bit
    bit_by_bit Posts: 1,155 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Today will be ringing the mortgage people for the balance to make a final payment. I will frame the letter that says I have paid it all off fully and finally.  :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.
  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    🥳🥳🥳🥳 well done!!!
    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! 
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    fantastic 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.
  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Aww congratulations bit by bit!!! 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


  • bit_by_bit
    bit_by_bit Posts: 1,155 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Well, it is done. I took the cheque into the BS for £16,423.61 . I will have to wait a week for written confirmation but wow. Thank goodness. I have been working up to this point for 10 years.  :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.
  • caeler
    caeler Posts: 2,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Fantastic!  Your hard works has paid off!  Well done! 
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