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You must have been so happy to see each other - I saw my parents for the first time since Christmas at the weekend and it was a tad emotional. I don't think we would have got through lock down if we didn't have a garden so I'm cherishing it as much as I can. My MIL lives in a flat usually and this whole thing has pushed her and her partner to buy a static caravan so they have somewhere to go to which has outdoor space so I don't think you're alone in wanting to at least look. Even if you can't afford it now, at least you'll know what you need to do to get there.Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20172
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Congrats. That is a wonderful accomplishment in paying off so much in 4 years. I do the same thing. I love to calculate how much I've paid and I love to see what payment I should be on according to the schedule and what payment I'm actually on to see how far ahead I am. Keeps me motivated.
A bungalow with a garden sounds so nice. Hopefully, you can find one that's affordable for you. The garden has definitely been a life-saver during lockdown. I'm working in it, which de-stresses me, and it keeps me away from the TV and computer for a nice long time. Plus just seeing the beauty that comes when my flowers and plants are happy brings me joy considering I didn't know how to plant anything before I started.Mortgage start date Dec 2015 - $64,655.00
Mortgage end date Dec 2045 - NOT!!!!
Mortgage balance - $4600.00
Business Savings $43,310/100k
Hope to be mortgage-free by end of 20232 -
Thank you for visiting all!Remarkably the broker came back to me today to advise I can (just!) afford the asking price for the bungalow!
Have arranged a viewing for Monday and trying not to get my hopes up!Cleared 25k from mortgage in 4 years - now I need to do it again!
Dec 2020 Balance: £127,000
Dec 2021: Balance £121,5002 -
Why wait til Monday for the viewing?!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.1 -
Everything crossed. Looks like all your hard work has put you in a good place. I hope it's what you are looking for.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2
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beanielou said:Why wait til Monday for the viewing?!
I know Beanie - I asked for the last weekday appointment as I am WFH until 5, last appointment 5.15 but not available until next week. However I have annual leave next week so Monday it is!!longway2go said:Everything crossed. Looks like all your hard work has put you in a good place. I hope it's what you are looking for.
Thank you LW2G - I hope so too!
xCleared 25k from mortgage in 4 years - now I need to do it again!
Dec 2020 Balance: £127,000
Dec 2021: Balance £121,5000 -
Hi @Gem2889 , I have just come across your diary and wow, you have been making amazing progress. Paying off so much in just 4 years!!! Wow. Certainly something for me to aspire to. Good luck with the bungalow viewing, hope it goes well.
Like you I have also been shielding and I kinda still am really, I am not sure how its any safer based just on the governments say so. Keep up the fantastic work!MFW - #133 - 2020 Challenge - £1230.67 / £1159
MFW - #133 - 2021 Challenge - £1328 / £1270
MFW #56 - 2022 Challenge - £325.35 / £1296
Mortgage began Jan 2019 - £115,900
Mortgage Currently - £105,1601 -
Wow, thank you so much for dropping in, that comment means a lot to me. The diaries on here have been a massive source of encouragement for me and I’m so pleased I can pay it forward for others!regularsaver said:Hi @Gem2889 , I have just come across your diary and wow, you have been making amazing progress. Paying off so much in just 4 years!!! Wow. Certainly something for me to aspire to. Good luck with the bungalow viewing, hope it goes well.
Like you I have also been shielding and I kinda still am really, I am not sure how its any safer based just on the governments say so. Keep up the fantastic work!
Well done to you on shielding also - the hardest thing I’ve ever done!Will keep you all posted on the bungalow
xCleared 25k from mortgage in 4 years - now I need to do it again!
Dec 2020 Balance: £127,000
Dec 2021: Balance £121,5001 -
No bungalow news as yet - an OP of £295 made to bring me to £87,000!Cleared 25k from mortgage in 4 years - now I need to do it again!
Dec 2020 Balance: £127,000
Dec 2021: Balance £121,5002 -
Well done Gem, not long til you can see the bungalow nowMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2
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