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Holding On and Letting Go 🎈
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Fortune_Smiles
Posts: 5,101 Forumite
Holding On and Letting Go 🎈
In April this year we reached a milestone. We were able to exit our five-year fixed rate mortgage early having paid off 65% of the outstanding balance in that time and reducing our monthly mortgage payment by half.
In April this year we reached a milestone. We were able to exit our five-year fixed rate mortgage early having paid off 65% of the outstanding balance in that time and reducing our monthly mortgage payment by half.
We re-fixed for the next three years and still plan to overpay but we also want to live a little more life. If the last few years have taught me anything it's that you never know what's around the corner so carpe diem.
If you've followed my adventures before you'll know I find it hard to keep balanced so I'm hoping a new diary will help me decide when to hold on and when to let go of the finances. I'd love to have some company on the journey - old friends and new are all welcome.
Fortune x
PS If you’d like to see my previous adventures you can find them here:
PS If you’d like to see my previous adventures you can find them here:
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
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Comments
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Hello Fortune, and Happy New Diary! 😊 Very lovely to see you back and, I hope, posting regularly. You're right of course, none of us know what's around the corner. A neighbour of ours died the other day, early 70s, she was fine at Christmas. Siezing the day and finding the right balance is very much appropriate.
Looking forward to hearing all about your new adventures xx8 -
So good to see you back. You’ve been missed. We never know what’s round the corner. xx2025 Decluttering 9127⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️8 -
Hi Fortune, it's good to 'see' you again. I've followed your last couple of diaries but more reading than posting, which I will try to rectify going forwards. I think it's interesting you think struggle with balance as I find your posts feel (and therefore thoughts going into them) so well considered. It seems to me that if there is a weakness or such like that you usually recognise the fact, which is often the hardest part. Anyways, I wish you the best for your next adventures and shiny new diary.BW8
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Ahh - I was just thinking of you a couple of days ago lovely to hear from you again!I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £207
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Hello CheeryCheery_Daff said:Hello Fortune, and Happy New Diary! 😊 Very lovely to see you back and, I hope, posting regularly. You're right of course, none of us know what's around the corner. A neighbour of ours died the other day, early 70s, she was fine at Christmas. Siezing the day and finding the right balance is very much appropriate.
Looking forward to hearing all about your new adventures xx
I just can't stay away can I 😆 It's been enlightening hosting Ukrainian refugees these past couple of months. It's made me appreciate even more our lives here. I'm sorry to hear about your neighbour. We lost a good friend a couple of weeks ago too. He was a man who lived well and will always be an inspiration to us.
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 Gervais5 -
Aww thanks Mrs M. It's good to be back.Mrs_Money_Penny said:So good to see you back. You’ve been missed. We never know what’s round the corner. xx
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 Gervais5 -
BookWorm said:Hi Fortune, it's good to 'see' you again. I've followed your last couple of diaries but more reading than posting, which I will try to rectify going forwards. I think it's interesting you think struggle with balance as I find your posts feel (and therefore thoughts going into them) so well considered. It seems to me that if there is a weakness or such like that you usually recognise the fact, which is often the hardest part. Anyways, I wish you the best for your next adventures and shiny new diary.BW
Hi there BookWorm. Nice to know I have some company. I too am a reader rather than a poster on others' diaries but I always try to press the 'Thanks' button so people know I'm cheering them on.
Writing in my diary really helps me to think things through and adjust the balance where necessary - it's when I don't keep it up I struggle.
Thank you for your kind words 😊
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 Gervais9 -
Happy shiny new diary Fortune.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.7 -
Lovely to see you back Fortune! 😊Mortgage free 16/06/2023! £132,500 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 Hemingway5 -
greent said:Ahh - I was just thinking of you a couple of days ago lovely to hear from you again!
Hello greent 😊 I've been around but reading rather than posting. It's been hectic here in the Fortunate household.
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 Gervais7
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