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Am I too late to join in with beginning my dept free wannabe journey?

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Hi everyone 
I've been keeping a eye on this forum for a while with interest as I've been waiting for the right time to kick on with getting myself dept free, I'm hoping I'm not too late to join in with everyone that's on there way to it. 

I've been waiting until the fix on my mortgage has  5 years left which it now has. 
By the time it's up I'll have around £15,000 left to pay, I've already started saving £300 a month in a regular saver account so that I'll have the full amount I need. 

I hope you all had a good Christmas and a merry New year. 

Cheers David. 




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