julicorn's journey

JennyP

Haven't come on here to read the mortgage free diaries for ages, but thought I'd read yours as I remember it from when I started mine just over 2 years ago! You've done amazingly well! Brilliant. I've paid some off mine. I reckon there's two or three years to go.
Made me laugh to read you're also doing Gousto. We got our first box on Friday. I thought it was good value. £25 (special offer) for four meals for two. I added the ingredients up in Asda and it came to £28 and that was without the herbs and spices as we mostly have those in anyway. Admittedly, if we'd bought the ingredients from Asda, we'd have had leftovers for next day's lunch. I'm feeling lucky in lockdown too. Hubby and I don't work anyway - we both retired early - but being stuck at home with him is actually lovely. Good job as I'm shielding so we're in this for the long haul. 

julicorn

Thank you for checking in! Sounds like you're making great progress as well. 
The Gousto recipes are absolutely fantastic, we're still cooking them most days now. The boxes are a bit pricey at full price, but the introductory offer was really good. What we're doing now is pick out Gousto recipes for the following week, order the ingredients for collection or delivery (from whatever supermarket we feel like), and then kind of 'bag them up' (the fresh ingredients at least) in the fridge for the individual meals, so we know what ingredients are left over and we can improvise lunches with. So I'm mostly cooking dinners based on Gousto recipes at the moment, and Mr julicorn makes lunch out of whatever else we've got flying around in the fridge. It's still great being stuck at home with him too, if anything it's brought us even closer together than we already were. Good to hear you're holding up relatively well as well!

beanielou

Exiting indeed. 😊

julicorn

Thank you beanielou! I hope you are holding up well  

Sistergold

julicorn said:

Just a little end of the month update to say we're not 7 years ahead (compared to if we hadn't overpaid at all), with a balance of just under £135k remaining.

It's becoming less likely that we'll be mortgage free any time soon though. At the current rate, we would be looking at paying off the mortgage some time on 2024, which would be amazing of course. However - lots of 'being trapped at home and having time to talk' conversations have pushed Mr julicorn and me from 'sitting on the fence when it comes to children' to wanting a child at some point, so it makes sense to move into a house (or at least a bigger flat) when we can, so probably in 2-3 years time, rather than waiting too long. That also means taking on a big mortgage again, but overpaying the mortgage so aggressively has put us in a really good position, having a good amount of equity. House prices are still ridiculous down here, but I'm excited nonetheless. 

Have a lovely Sunday everyone!

Good plan and always exciting to plan for next purchase. With all these overpayments you will be getting your best house yet! Ohhh I just love baby talk ! 

Xx

julicorn

Sistergold said:

julicorn said:

Just a little end of the month update to say we're not 7 years ahead (compared to if we hadn't overpaid at all), with a balance of just under £135k remaining.

It's becoming less likely that we'll be mortgage free any time soon though. At the current rate, we would be looking at paying off the mortgage some time on 2024, which would be amazing of course. However - lots of 'being trapped at home and having time to talk' conversations have pushed Mr julicorn and me from 'sitting on the fence when it comes to children' to wanting a child at some point, so it makes sense to move into a house (or at least a bigger flat) when we can, so probably in 2-3 years time, rather than waiting too long. That also means taking on a big mortgage again, but overpaying the mortgage so aggressively has put us in a really good position, having a good amount of equity. House prices are still ridiculous down here, but I'm excited nonetheless. 

Have a lovely Sunday everyone!

Good plan and always exciting to plan for next purchase. With all these overpayments you will be getting your best house yet! Ohhh I just love baby talk ! 

Xx

Thanks so much Sistergold! I have to say looking through Rightmove listings is probably one of my favourite hobbies, haha! If only places weren't quite so expensive here, but I hear you're in quite a pricey location yourself x

Sistergold

julicorn said:

Sistergold said:

julicorn said:

Just a little end of the month update to say we're not 7 years ahead (compared to if we hadn't overpaid at all), with a balance of just under £135k remaining.

It's becoming less likely that we'll be mortgage free any time soon though. At the current rate, we would be looking at paying off the mortgage some time on 2024, which would be amazing of course. However - lots of 'being trapped at home and having time to talk' conversations have pushed Mr julicorn and me from 'sitting on the fence when it comes to children' to wanting a child at some point, so it makes sense to move into a house (or at least a bigger flat) when we can, so probably in 2-3 years time, rather than waiting too long. That also means taking on a big mortgage again, but overpaying the mortgage so aggressively has put us in a really good position, having a good amount of equity. House prices are still ridiculous down here, but I'm excited nonetheless. 

Have a lovely Sunday everyone!

Good plan and always exciting to plan for next purchase. With all these overpayments you will be getting your best house yet! Ohhh I just love baby talk ! 

Xx

Thanks so much Sistergold! I have to say looking through Rightmove listings is probably one of my favourite hobbies, haha! If only places weren't quite so expensive here, but I hear you're in quite a pricey location yourself x

Yes I am in an expensive location too but you are well set with how you have been working so hard to OP. Tell us how you get on with house hunting when you start! 

X

julicorn

Sistergold said:

julicorn said:

Sistergold said:

julicorn said:

Just a little end of the month update to say we're not 7 years ahead (compared to if we hadn't overpaid at all), with a balance of just under £135k remaining.

It's becoming less likely that we'll be mortgage free any time soon though. At the current rate, we would be looking at paying off the mortgage some time on 2024, which would be amazing of course. However - lots of 'being trapped at home and having time to talk' conversations have pushed Mr julicorn and me from 'sitting on the fence when it comes to children' to wanting a child at some point, so it makes sense to move into a house (or at least a bigger flat) when we can, so probably in 2-3 years time, rather than waiting too long. That also means taking on a big mortgage again, but overpaying the mortgage so aggressively has put us in a really good position, having a good amount of equity. House prices are still ridiculous down here, but I'm excited nonetheless. 

Have a lovely Sunday everyone!

Good plan and always exciting to plan for next purchase. With all these overpayments you will be getting your best house yet! Ohhh I just love baby talk ! 

Xx

Thanks so much Sistergold! I have to say looking through Rightmove listings is probably one of my favourite hobbies, haha! If only places weren't quite so expensive here, but I hear you're in quite a pricey location yourself x

Yes I am in an expensive location too but you are well set with how you have been working so hard to OP. Tell us how you get on with house hunting when you start! 

X

I definitely will! Thank you

wh_em

I just went to bookmark your thread and realised I was already following it! 50% ownership of your house, what a lovely feeling - I'm so chuffed for you! It sounds like we're on very similar timelines in our life.

julicorn

Thank you wh_em! Hitting the 50% milestone was fantastic. What makes it a little bittersweet is that we're looking to move into a bigger home in 2-3 years time, so it feels a little bit like we'll start from the top again - but then again, without the overpayments now, we wouldn't be able to afford it, so it still really feels like we're on the right track.  
I hope your work situation all works out well, it's definitely scary times we're in at the moment Didn't see that one coming at the start of this year, that's for sure.