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LJ's Mortgage free road to early retirement

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  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    grey-bear-good-luck.jpg

    Louise I hope everything works out for you ((hug))
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Thanks for that SMF2

    I am actually feeling OK about the whole thing, maybe its the St Johns Wort tablets I have been popping lately making me all chilled:rotfl:
    But these things take time, I know that I'm, the most inept that ever stepped.
  • Ellidee
    Ellidee Posts: 6,216 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Lou - sending loads of positive wishes and xxx.
    Nothing is so fatiguing as the eternal hanging on of an uncompleted task. William James
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Ellidee wrote: »
    Lou - sending loads of positive wishes and xxx.

    Thanks Ell xx

    How have you and yours been lately?
    But these things take time, I know that I'm, the most inept that ever stepped.
  • Ellidee
    Ellidee Posts: 6,216 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    We are all fine thanks for asking Lou - me and OH off to his bro's in Cornwall next Sunday for a couple of weeks- can't wait. xx
    Nothing is so fatiguing as the eternal hanging on of an uncompleted task. William James
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    Ellidee wrote: »
    We are all fine thanks for asking Lou - me and OH off to his bro's in Cornwall next Sunday for a couple of weeks- can't wait. xx

    Sounds lovely Elli, beautiful part of the country and I hope the weather is good for you:)
    But these things take time, I know that I'm, the most inept that ever stepped.
  • beanielou
    beanielou Posts: 95,616 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ellidee wrote: »
    Lou - sending loads of positive wishes and xxx.


    As I am xxxx
    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.
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    Oh Louise, sounds like you are going through it a bit at the moment. I really hope you dont need to dip into the OPs but at least they are there if you need them
    Sending lot of good wishes your way :D
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • LouiseJ
    LouiseJ Posts: 11,156 Forumite
    I thought I had better update here for shames sake:o

    Mortgage is at £33964 after the first year of challenge which is a bit pants as I should have been well down in the £20ks to have a chance of hitting the 12/12/12 target.


    By some miracle OH is still plodding on at his factory who constantly appear to be on the brink of closure but still manage to keep going.

    I am still working and have quite healthy student numbers so my job is reasonably secure until July at least.

    The money neutral gift challenge has gone very well with over 80% of all spends in the year (including this Christmas) being paid for by various offers/quidco/matched betting.

    I could sit here and beat myself up about not being exactly where I want to be but you know what? I think I am still doing OK.

    I do have a few more goals for 2011 and really should start to focus a little more on getting the mortgage down again and I will, just not going to pressure myself too much.
    But these things take time, I know that I'm, the most inept that ever stepped.
  • beanielou
    beanielou Posts: 95,616 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I think you have done really really well Lou :grin:
    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.
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