We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Quest for (mortgage) freedom
Options
Comments
-
Congratulations on becoming mortgage free, your diary is very inspiring, I really enjoyed reading it! Keep us updated on life after mortgageOriginal mortgage 2016 -£310,500 Current balance Jul 25 -£181,135
Total OP so far £739/18,275.80
Total OP 2025 £5162.23
"Do the best you can until you know better. Then when you know better, do better"-Maya Angelou1 -
It is well worth setting up a 12 month regular saver in November, to pay out around the start of December - that is what I use to pay for all of C-word. Same goes for October half term, and the start of the long summer holidays, and of course the ISA pays out just before Easter. Sometimes when an account pays out is more helpful than how much is in there. Timing is crucial. You might not need to spend it all, but knowing it is there, allocated, and you don't have to dip into EF or other savings is another stress gone.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******2 -
I received my 5 year anniversary badge a few days ago. Can't believe it's been 5 years since I became a member here and started this mortgage free diary, I am so grateful to this community and all the things I've learned on here. Genuinely and literally life changing.
Those 5 years have flown by.
I'm continuing to make good progress health wise. I've been doing strength and resistance training since late May; 2 months later and I am still really enjoying it. I've lost 3 kg now since starting to focus on my health back in May. I haven't had to make any adjustments to my eating habits, which is lucky as I love food. I'm looking really toned in the arms, back and legs. My stomach is still flabby - but 2 beautiful children later and I wear my mummy tummy with pride
I've made a bit more progress with decluttering too. I've spent a bit of time this week sorting through my kids' wardrobes, and I recycled 25 items of clothing that were damaged/holey/stained etc.
Mortgage free as of March '25!
£240,000 paid off in 4 years, 8 months and 18 days (July '20-Mar '25)
Mortgage paid off 19 years early.
2025 MFW #40
2025 Goals
Pay off mortgage of £55k for good! - £55k/£55k paid - mortgage free!!!
Keep emergency fund at £10k - £10k/£10k - goal met!
Lose 12 kgs - 3/12 kgs lost so far
Try 1 new activity/experience as a family each month - 0/12 new activities/experiences tried
Decluttering - declutter 500 items from house and outbuildings - 136/500 items so far5
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards