julicorn's journey

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  • beanielou
    beanielou Posts: 90,416 Ambassador
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    julicorn said:
    beanielou said:
    Full of lovely positives  :)
    Indeed! How are you doing beanie? :)
    Plodding on  :) 
    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.
  • Hettyhound
    Hettyhound Posts: 947 Forumite
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    I’m sure you can do it!
    Grocery challenge SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 ? MFW #21 Mortgage start Dec 2015 £79,950; January 2024 £26,105 2024 OP £150/COLOR]/£1,500 MFiT T6 #3 £13,159/£25,500 (51.60%)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    Sounds good, julicorn!  There's a lot of good news there, and 10 years off the mortgage is brilliant.
    2023: the year I get to buy a car
  • julicorn
    julicorn Posts: 2,283 Forumite
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    Hettyhound said:
    I’m sure you can do it!
    Karmacat said:
    Sounds good, julicorn!  There's a lot of good news there, and 10 years off the mortgage is brilliant.
    Thank you both! I hope you had a good start to the year <3
    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 pot
  • Sistergold
    Sistergold Posts: 2,033 Forumite
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    Welldone @Julicorn and happy new year! 
    Initial mortgage bal £487.5k, current £266.8k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • julicorn
    julicorn Posts: 2,283 Forumite
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    Sistergold said:
    Welldone @Julicorn and happy new year! 
    Thank you Sistergold, happy new year to you too!

    Yesterday Mr Julicorn and I took stock of what we have in the cupboards - I think it's fair to say that a) we have enough grains / dried beans / pulses that should really get us through the months, b) I should bake more (SO many baking ingredients!), and c) we should take stock more often, some of those expired a loooooong time ago :D 

    We're currently trying to reactivate Simon the sourdough starter which is a few years old and has really seen better days. If you could spare some positive thoughts for Simon that would be great, he really needs it! At the moment he smells more like some home-made fruity brandy than sourdough, but I shall report back on whether he makes it through the next few days. <3
    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 pot
  • beanielou
    beanielou Posts: 90,416 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Positive vibes to Simon!
    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.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    Simon  <3<3<3
    2023: the year I get to buy a car
  • Sistergold
    Sistergold Posts: 2,033 Forumite
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    Oh Simon, you can do it! 😍
    Initial mortgage bal £487.5k, current £266.8k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • FtbDreaming
    FtbDreaming Posts: 1,121 Forumite
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    Hi Julicorn! Well done on the 10 Years ahead! That is the sort of achievement to be proud of! Can I ask how you calculate time knocked off the mortgage? I seem to struggle to work it out lol!
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £60,200 (59.9% LTV)
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
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