Mortgage free… la belle vie!
I turned 29 this month and would love to be mortgage free by the time that I am 45.
Now - this may be in our current home, which would be nice. I live with my fiancé in a really beautiful part of the country.
But we are in agreement that if the opportunity were to present itself, and the cards fell into place, we would very much like to move to France. My grandmother was French and I grew up visiting her, so it would be to this same area we would hope to move. Doing so would allow us to fulfil a lifelong dream of living in a slightly warmer climate and owning some land, something that we could not afford to buy in England. Of course, property is on a whole cheaper and so being mortgage free by 45 albeit in France would be the aim, too. So - that’s the dream! Let’s see if I can make it happen. The absolute dream - if I even dare be so bold as to write it down - would be to own a one-bed apartment here in our current town, so that we had a base here for visiting family.
We have a small amount on a 0% credit card of £800 from a lovely holiday we did not quite budget enough for in April. Lessons learnt - holiday pot increased. We haven’t been consistent in paying this off and I really want it gone by February next year. Other than that, no other debts aside from the mortgage.
Two separate occasions of getting into £1.5k of credit card debt in my early twenties (that I couldn’t feasibly pay off on my minimum wage salary) scarred and scared me into never accessing credit again, and I truly don’t think I ever will. Now, I would just like to get better at saving to really make sure of that!
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