julicorn's journey
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Congratulations! Really lovely news for you . Although it's lovely here I really miss living in Brighton, especially in the summer. Am secretly hoping I can convince husband to retire there eventually .Finally bought a homeStarting mortgage £289,500 31.01.19 - Current outstanding £207,243.66Overpayments since 27.03.19: £46,161.460
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Congratulations Julicorn! _party_:j_party_Mortgage free as of 12/08/20!
MFiT-5 no 45You can't fly with one foot on the ground!0 -
Thank you Nichelette & taka! :heart2:
And yes, Brighton is SUCH a lovely place, I can't really imagine us living anywhere else atmOriginal 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 pot0 -
Hi everyone,
Quick bank holiday update from me:
- Mortgage will be below £165k when the monthly payment goes out tomorrow. This month we've not overpaid all that much, did our regular August overpayment in July already (because our new fix started this month) and are also doing work to our kitchen which is eating a fair little bit of money. Either way, still better than nothing!
- Kitchen project: We've done step 1, removing the splash back tiles. Yay! Got a fancy new sink (one especially for small kitchens with limited worktop space, so perfect for us), and will order new worktops some time this week. Oh, and the new tiles are sitting in the hallway already as well. Looks like this is going to take us weeks and weeks, but that's ok, I'm sure it'll be worth it. We're tiling ourselves, and trying to fix the worktop ourselves (although will get it pre-cut, so fingers crossed everything fits. Gotta take some measurements today ideally!).
- Weekend: Had a lovely weekend. Met a friend for lunch on Saturday, and then went to another friends karaoke birthday party. Lunch friend is moving to LA next month, so it looks like a California trip is on the cards for us next year! Exciting times.
- Etsy shop: July was my best month so far, but August has already overtaken it. Really exciting stuff, although I'm starting to need to keep a fair chunk of tax money aside - but YNAB makes that reasonably easy.
- House daydreaming: I'm really enjoying trawling Rightmove at the moment, and have started a few Pinterest boards just for fun for when we hopefully get to buy a house in around 5 years time. It sounds a bit wild, and part of me feels a little bit guilty about it (to the flat mainly - it's not like I don't love you, flat, this is just exciting stuff!). It's not motivated by being greedy, or being unhappy with our current living situation though. It's simply that I thrive on 'looking forward' to something, even if it is to something years and years into the future.
Either way, I hope you're all enjoying the lovely weather! :heart2: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 pot0 -
All sounding goodI 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.0 -
Sounds great, and I love the fact that your etsy shop is doing so well - congratulations.2023: the year I get to buy a car0
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Oh yes, great news on the etsyI 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.0 -
Thank you both! :heart2: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 pot0 -
Smallest update ever: Just managed to make another overpayment, which means we are now officially 4 years ahead (in terms of remaining balance compared to if we'd never made any overpayments)! :jOriginal 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 pot0 -
Four years!! That's amazing.Mortgage started at £318,000 in June 2016. Original MF - 2041 :eek:
2nd Property Mortgage at £275,000. Mortgage free: 2049 :eek:
Total OPs: £295290
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