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A Dream Worth Dreaming?
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I think subconsciously you may have felt that way for a while. I went back and re-read your page 1 (as I thought you were single, so wondered where I had got that idea from) and you refer to yourself as single a couple of times. Anyway, onwards and upwards....
Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!1 -
A new chapter, a new life. Lots of us here have made that and it can work out very well indeed.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
A new chapter in the story of life.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.0 -
Thank you all for your kind words
June 2017 - £295k mortgage/htb
June 2020 - £270k mortgage/htb
Dec 2021 - £228k mortgage
Dec 2022 - £195k mortgage
Dec 2023 - £162.5k mortgage
Dec 2024 - £140k mortgage
Dec 2025 - Target - £130k mortgage1 -
South_coast said:I think subconsciously you may have felt that way for a while. I went back and re-read your page 1 (as I thought you were single, so wondered where I had got that idea from) and you refer to yourself as single a couple of times. Anyway, onwards and upwards....
I’ll keep on my mortgage free journey - and it will be a new chapter on my own fully - but I guess I’ve been on my own for a long time mentally if not physicallyJune 2017 - £295k mortgage/htb
June 2020 - £270k mortgage/htb
Dec 2021 - £228k mortgage
Dec 2022 - £195k mortgage
Dec 2023 - £162.5k mortgage
Dec 2024 - £140k mortgage
Dec 2025 - Target - £130k mortgage3 -
When I got divorced it was partly because I realised how alone and lonely I felt within a relationship. I therefore haven't missed him except for having to pay for DIY type things he might have eventually done if I nagged and nagged. So not really much at all...
Hopefully over time it will feel like a release and freedom and opportunity to explore alternatives which may or may not include a significant other and still be valid.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Thank you
I think it’s better to be alone and totally independent than feeling used and trapped in something going nowhereJune 2017 - £295k mortgage/htb
June 2020 - £270k mortgage/htb
Dec 2021 - £228k mortgage
Dec 2022 - £195k mortgage
Dec 2023 - £162.5k mortgage
Dec 2024 - £140k mortgage
Dec 2025 - Target - £130k mortgage2 -
I related to this too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
fjireland said:Thank you
I think it’s better to be alone and totally independent than feeling used and trapped in something going nowhereWhy waste your time/life and theirs. Not sure why you have to wait til Dec to get rid of them from your house... cant they go travelling or shock pay for their own roof over their head, this delay is not healthy
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1 -
Thank you all for your encouragement…
I have realised over time, I’m such a people pleaser that I let him pretty much walk all over me - I let him stay until Dec probably because I was scared to make it final too
But he’s gone, and it finally feels like home again
It’s been therapeutic getting the locks changed in case he ever dreamt of coming back
It was a tough year - bit like ripping a plaster off and God knows I did it slowly (and I made it harder for myself in ways and in other ways I have kind of given myself time to accept it’s over)
So I managed to hit the target I set this year - just slightly under 140k now at 139 odd k
It feels good to still be on the journey and be making progress
I have started renovating bits and pieces around the place slowly so it is feeling ‘new’, homely and a new start physically and mentally
I think it is lonely this time of year especially - even if it wasn’t the best relationship etc- but I’m kind of excited for next year now and continuing to be on the journey to mortgage free and keep working on my personal life/getting more balance back
I have set myself a more breathable target for next year - 6k op and 10k off the mortgage overall so I can keep going with some renovations
Happy Christmas 🎄 to you all
Thank you for the advice/support a long my journey to dateJune 2017 - £295k mortgage/htb
June 2020 - £270k mortgage/htb
Dec 2021 - £228k mortgage
Dec 2022 - £195k mortgage
Dec 2023 - £162.5k mortgage
Dec 2024 - £140k mortgage
Dec 2025 - Target - £130k mortgage2
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