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My 2 year battle to try to keep our home

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  • elsien
    elsien Posts: 36,059 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Doing a happy dance on your behalf - very impressed at how you've stuck in there with everything you had going on.  Brilliant news. 
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • ladyholly said:
    Congratulations on being debt free. That will be a huge load off your mind. The change of mind set is, I think, the hardest thing. My DH is still working on it. If it is something he "needs" it is different to something we need for the house or me.
    I am quite lucky that the financial uncertainty through the divorce forced the mindset change and having sole accountability made it a little easier to see and feel the progress rapidly then cling to the buzz of my progress.

    Total Debt May 21 £20,490.44  DEBT FREE DATE 29/7/22 

    Mortgage balance May 21 £177,096.19. Now £143,588.36
    Mortgage free date. At start of sole mortgage = July 2042

    2024 SAVINGS FOCUS - get rid of the car finance. £12,706.25  PAID OFF 
    2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage. Total pot = £3275.88
  • joedenise
    joedenise Posts: 17,672 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Well done on being debt free and so much earlier than your original DFD.

    You have changed your mindset so much and it is that more than anything which has made this possible in a shorter time.  You certainly deserve a holiday next year and it's definitely the right thing to do to be saving for it from now.

  • satchmo1
    satchmo1 Posts: 3,220 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yay, well done, and what a relief! 

    You'll definitely shorten your mortgage repayment period, of that I've no doubt.
    What would you get if all you got was what you were thankful for?
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @Tiredbutdetermined absolutely marvellous! Fantastic!! Debt free and your own person!!!  Sending you a marching band playing all your best tunes...love Humdinger xx 
  • I have been silently following your journey (remarkably similar to my own) and just wish to add my congratulations to your band of cheerleaders!
    It is so much easier to keep focus when you are the one in control. Sending best wishes for a wonderful future of your own making xxx
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Brilliant!!!!  Well done.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hello TbD 😁

    just popping in to say congratulations on getting through this difficult period.  You have done more than survived - you have thrived!  Here's to a new chapter 🥂

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • nannygladys
    nannygladys Posts: 3,235 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    So happy for you, no debt (just house and car) and being in charge of your own finances at last. What a great feeling! Get saving for your next year's much deserved family holiday  :)
    Nannyg
    £1 a day 2025: £90.00/365 Xmas fund
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