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Exciting news, fortune! I do hope you'll continue with your diary, its one if my favs! xStarting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!5
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That's good news
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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.5 -
I think it's a sensible decision. I'm considering liquidating at least some of my savings when my fix comes up for renewal later this year. Right now I'm earning more interest than I'm paying, but that won't continue. And it takes a lot of pressure off5
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Exciting times. Please do keep posting though.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/265 -
Oh I am so pleased for you. That will be such a relief for you once it’s done. 😊
I echo others in saying please keep posting here. I want to know what life is like ‘on the other side’ of mortgage hill! 😉
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
I love the sound of your life Fortune. Spending a bit more time together, doing healthy things and sewing! My idea of heaven - I've a long way to go but I'm following in your wake
ps when I became debt-free, it was a strange feeling, sort of 'what now'. Of course what now was becoming mortgage free, so definitely keep us posted as to how it is."Think of many things, do one"
Mortgage 28Feb'26 est. £203,715 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 2lbs by end Feb'26; walk/run/exercising/weights/yoga4 -
BIG NEWS!!!
We are grandparents 🥳 Baby Fortune arrived today. He is the cutest bundle. Mum had a very long labour and will need some time to recover but all is well. We'll be travelling up in a couple of week's time to meet the new member of the Fortunate family.
Another chapter is upon us.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living13 -
Huge congrats to you all. Wonderful news 4
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Congratulations!🥳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 -
Congratulations Family Fortune! Welcome to the world Granbaby Fortune. And well done to Mum - hope she is able to return to full vitality and enjoy parenthood. Handshake for new-Dad Fortune too! 😁
Greying XGrocery spend February 2026 £74.73/£235
Non-food spend February 2026 £8.56/£80
Bulk Fund 2026 Month 2/12 - £0/£120 (reducing balance - start £120 pa)4
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