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Pay off mortgage and start having even more fun ๐Ÿ˜

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  • skint_spice
    skint_spice Posts: 13,461 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So glad you are on the road to recovery! The new MF date sounds tantalisingly close now๐ŸŽ‰๐ŸŽ‰๐ŸŽ‰
    Mortgage OP 2025 ยฃ6750/7000
    Mortgage OP 2024 ยฃ7700/7000

    Mortgage balance: ยฃ35,463

    Declutter 12/244

    Money making challenge ยฃ58/400

    โ€Do what others wonโ€™t early in life so you can do what others canโ€™t later in lifeโ€ (stolen from Gally Girl)
  • themadvix
    themadvix Posts: 8,911 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Make sure you keep the bamboo in a pot! It will run rampant otherwise and can even damage your foundations! Hopefully the โ€˜sadโ€™ plants will perk up with a bit of tlc (my mum loves a sad plant and will nurture it back to life but is hopeless at keeping healthy ones alive! ๐Ÿ˜‚)

    So glad to hear youโ€™re feeling better and staying rehab. Hope specialist can sort out the erratic heartbeat.

    Great news on the mortgage - sounds like DH has finally realised itโ€™s close enough to touch and is fully with you on the home stretch ๐Ÿ˜Š
    Mortgage free 16/06/2023! ยฃ132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • South_coast
    South_coast Posts: 5,939 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 19 June 2024 at 12:11PM
    ยฃ100/month sounds nice and doable as an extra OP to find. Looking forward to hearing all your chopping and changing to find it ๐Ÿ˜€!
    Mortgage start: ยฃ65,495 (March 2016)
    Cleared ๐Ÿงšโ€โ™€๏ธ๐Ÿงšโ€โ™€๏ธ๐Ÿงšโ€โ™€๏ธ!!! In 5 years, 1 month andย 29 days
    Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed

    Finally earning interest instead of paying it!!!
  • daisy_1571
    daisy_1571 Posts: 2,176 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Wow, what will we do with no ng plans and diary ?ย ย 

    Daisy xxxx
    22: 3๐Ÿ… 4โญ 23: 5๐Ÿ… 6 โญ 24 1๐Ÿ… 2โญ 25 ๐Ÿ… ๐Ÿฅˆโญ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You really are on the home stretch with the mortgage now. The rescued plants will be much happier now and the sun has finally decided to make an appearance!ย 
    June 2025 - part 1 - ยฃ19,145 part 2 - ยฃ21,973 Total - ยฃ41,118 29 months to go!
  • newgirly
    newgirly Posts: 9,372 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Thanks guys ๐Ÿ˜Š

    The bamboo is in a pot as we have a paved garden, we should really build some sort of long trough to go along the fence and let it spread to block out the neighbours ๐Ÿ˜†

    Dh does seem a lot more keen to get rid of the mortgage now itโ€™s getting closer, although Iโ€™m a bit nervous that we are going to have different ideas about what to do with the extra, the worst thing is no plan! I certainly wonโ€™t be going anywhere or stopping my diary, we may well end up moving anyway or doing the house up so will have after the mortgage plans, you donโ€™t get rid of me that easily ๐Ÿคฃ

    Well Iโ€™m embarrassed to write the next bit considering my frugal stretch until the end of the mortgage but no point in hiding it, Iโ€™ve booked another cruise ๐Ÿ˜ฌ Itโ€™s mine and best friends 50th next Jan/March/June and we have been discussing what mini break we will do for a very long time now, Best friend suggested a mini cruise, she wouldnโ€™t mind trying one and her dh doesnโ€™t fancy it and I think she was trying to be kind as Iโ€™m not keen on flying that much anyway let alone with things still up not right in the health department. I did say itโ€™s next year I would hope Iโ€™ll be fine ๐Ÿ˜†

    Long shot is, we are going on a cruise line Iโ€™ve never been on before whch is a bit more pricey, we have booked a cabin to share between the three of us and the extra drinks package (all have to have the same) so itโ€™s an extortionate ยฃ993 each! and that was with voucher codes and discount for third person. The deposit was ยฃ75 which has come out of my personal spending pot and to be honest we will be mortgage free fingers crossed by the time I pay the balance, although I was thinking my vinted sales pot would be a good start towards saving for it as thereโ€™s ยฃ329.50, perhaps after this week Iโ€™ll restart selling again, itโ€™s all be paused for a while. I do feel a bit relieved the holiday plans are sorted now as we have really struggled to decide for so long ๐Ÿ˜

    Dh is at work this morning so Iโ€™ll pop and see mum (if they pick me up) the Afib has come back in the last few days quite a bit and Iโ€™d not had it for weeks, so Iโ€™ve been trying to take it easy but really Iโ€™ve still been doing a lot more so today I will do! Next week Iโ€™m at hospital/rehab every day but one ๐Ÿ˜ฉ I ย managed to find a stitch that had been left in a few days ago, though it was just not healed until best friend said donโ€™t be daft thatโ€™s a stitch ๐Ÿ˜† right on my neck as well (I try to not look closely at anything relating to the op!) low and behold a bit of black string was there, what an idiotโ€ฆ.

    Off to look at the finances now, will be back later ๐Ÿ™‚
    MFW 67 - Finally mortgage free! ๐Ÿ’™๐Ÿ˜
  • South_coast
    South_coast Posts: 5,939 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Cruise sounds fantastic ๐Ÿ‘๐Ÿ‘๐Ÿ‘ You're only 50 once, and your experience this year has shown you've got to enjoy life while you can, as you never know what's going to be around the next corner x
    Mortgage start: ยฃ65,495 (March 2016)
    Cleared ๐Ÿงšโ€โ™€๏ธ๐Ÿงšโ€โ™€๏ธ๐Ÿงšโ€โ™€๏ธ!!! In 5 years, 1 month andย 29 days
    Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed

    Finally earning interest instead of paying it!!!
  • daisy_1571
    daisy_1571 Posts: 2,176 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Something lovely to look forward to and something positive to do with the extra money.ย 

    Maybe for the first few months put the money away as normal, half to you, half to dh and it can sit in your personal spends for exactly this sort of thing.ย  Each of you can do whatever you want with it.ย  That way you both get to treat yourselves but within an agreed limit that doesn't affect what you decide to do in the future.ย  ย 

    Dxx
    22: 3๐Ÿ… 4โญ 23: 5๐Ÿ… 6 โญ 24 1๐Ÿ… 2โญ 25 ๐Ÿ… ๐Ÿฅˆโญ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • Jessy103
    Jessy103 Posts: 2,315 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Exciting stuff, NG with the mortgage nearly gone and a cruise booked! Hope you're all recovered ASAP x
    Mortgage Balance as of July 2025 ยฃ14,900.
    Starting Mortgage Balance (June 2019) ยฃ72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
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