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It always seems impossible until it’s done…

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  • smetf
    smetf Posts: 355 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Brilliant news! Well done. 
    Emergency fund 13k Home/ holiday fund 5.5k Mortgage £46,632
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Absolutely fantastic. So pleased for you.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • beanielou
    beanielou Posts: 95,309 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So pleased for you. 🤩🥳🎈
    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.
  • Jessy103
    Jessy103 Posts: 2,220 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Congratulations! 🎉🍾🎊
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sounds great!  I had my first-ever new kitchen in 2019, and I'm still thrilled with it.
    2023: the year I get to buy a car
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with your challenge. It all sound very exciting. Hope the builder's quote is favourable.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sounding good - those initial random spends are inevitable, aren't they.  And a £15 survey from P sounds fantastic!  Just what I want to hear :) 
    2023: the year I get to buy a car
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