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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!!!
  • Watty1
    Watty1 Posts: 6,838 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 !!
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • 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 mortgage 
  • 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 really have ;( …. The honest truth - In late 2018, we decided to break up … drifted back together in early 2019… by late 2019, I borrowed his laptop and discovered he was unfaithful … by March 2020, I told him what I had found, threw him out and then lockdown and corona came - we drifted back together again … but from late 2019, I knew I was on my own and that’s what spurred the excessive working and mortgage free obsession for me … 

    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 physically 
    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 mortgage 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • fjireland
    fjireland Posts: 52 Forumite
    10 Posts First Anniversary
    Thank you ;) 

    I think it’s better to be alone and totally independent than feeling used and trapped in something going nowhere 
    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 mortgage 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,751 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    fjireland said:
    Thank you ;) 

    I think it’s better to be alone and totally independent than feeling used and trapped in something going nowhere 
    Absolutely ;) Why 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#latest
  • 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 date ;) 
    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 mortgage 
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