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To mortgage neutral and beyond...
Comments
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You are doing so incredibly well, though! I have been trying to keep up with your diary and have been amazed by the strides you've made recentlysavingholmes said:Just caught up. I am dreaming of having a mortgage as small as yours... One day
The small mortgage...I am grateful for it! Back in the very dim and distant past I bought out my ex-partner. To be able to keep the house I massively increased my mortgage and gave up practically everything in it (we managed to keep legal wrangling to a minimum but he ended up with the lions share of the contents, I had a futon, oven, fridge freezer and not a lot else. Luckily for me this was in the days before house prices went completely bananas, if it had happened even two years later I wouldn't have been able to get on the property ladder on my own. It's possibly the last sensible financial decision I made in my 20s, and meant that when I moved house the next mortgage was very manageable.Debt-free August 21, Mortgage-neutral April 242 -
Thanks for sharing your story. It's always nice to read others' positive next chapters.
Ex took 2.5 rooms of stuff so could have been worse. He took a lot of books, the TV, all the DVDs. TBH I could have done with him taking more of the decades worth of clutter but he's left that for me to sort. Wonder why!!! There's some treasures though.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20280 -
I know what you mean about winter days. Feel like I am running up hill all the time.Debt free Feb 2021 🎉1
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Hello 2022!
I've been very internet-lite for the last couple of months. It's been lovely. Lots more time spent going for walks, watching films, and we even managed a real holiday. We'd been deferring and deferring, but the money had been put aside and staying at home was getting seriously old, so we took the plunge and had a proper change of scenery. It's really helped.
Finances are ticking over fine, and the mortgage will crack the £25k to go point next month.
Debt-free August 21, Mortgage-neutral April 242 -
Great to hear you had a holiday!2
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Sub £25k sounds amazing.
Sounds like your time away from MSE has been refreshingAchieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20281 -
Glad you got away. Much needed after the past few years of debt busting and lockdowns!Debt free Feb 2021 🎉2
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Necroposting nearly 4.5 years later…just to say, mortgage is DONE. 20 months early. Over and out :)
Debt-free August 21, Mortgage-neutral April 243 -
Well done.
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]0
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