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Mortgage free in Forever Home :-)

1513514516518519736

Comments

  • Happy MSE anniversary KK! You made me curious as to when I joined and it was 14 years ago yesterday! And I am still debtfreewannabe :lol: 

    I hope you feel better soon. Think your body is saying- stop and rest today :heart:
    Emergency Fund goal - £1000/1300
    Mortgage OP goal 2026 - £1200/£4500 
    -Smaller goal £0/800  
    Read 24 books this year 23/24

  • beanielou
    beanielou Posts: 100,804 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care of yourself x
    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 13 months left.
  • savingholmes
    savingholmes Posts: 29,219 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    As you know I am an advocate if you find the right Counsellor for you. I use mine as a sounding board for my current life and only dip into the past if it naturally comes up...
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
    3) 44.5/82K = 54.26% AVC Goal by mid 2028
  • SandyShores
    SandyShores Posts: 2,119 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    You've made me look up my MSE anniversary too.  Joined in 2006 under an old username but was using MSE to buy more stuff more cheaply, not saving - didn't know I had any money issues.  Then in March 2014 I started my first thread when we had £18k in credit card debts and a £13k car loan.  No mortgage because we'd sold our house by then and were in rented, so no equity either :neutral:  Takes a deep breath and is very thankful for where we are now :)
    "Think of many things, do one"
    Mortgage end Aug £168k £309,749 2020 (ends June 2036 -was 2038- aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
  • I hope you are feeling better and that you got some time in the garden KK.
  • savingholmes
    savingholmes Posts: 29,219 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had fun in the garden and Mr KK was able to fix the greenhouse. Your tapestry looks lush too.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
    3) 44.5/82K = 54.26% AVC Goal by mid 2028
  • Hope you feeling better KK 

    well done @SandyShores
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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