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I can't say this in real life...

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Comments

  • smetf
    smetf Posts: 362 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Brilliant 🎉
    Well done you!

    We're all very happy to celebrate with you!
    Emergency fund 13.5k Home/ holiday fund 6.5k Mortgage £45,614
  • Misslayed
    Misslayed Posts: 15,481 Senior Ambassador
    Tenth Anniversary 10,000 Posts Homepage Hero Name Dropper
    Congratulations! 🥳 Would you like an MSE badge?
    I’m a Senior Forum Ambassador and I support the Forum Team on the Competition Time, Site Feedback and Marriage, Relationships and Families boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of Money Saving Expert.
  • tacpot12
    tacpot12 Posts: 9,291 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Congratulations! That's really well done! By buying a property that was big enough without being too big, you have acheived the fantastic result of being Mortgage-free in your Forties! There is a great peace of mind to be had knowing that your property is now yours, and very little else can happen to mean you will ever be homeless. 

    I would recommend treating yourself to something really nice with the money that would have been your mortgage payments for the next few months. Then look at starting or increasing your pension savings, so you have the flexibility to retire when you want to. 

    Sadly, you may also need to keep your retirement plans private, as people can be jealous of people that have managed to save for their retirement. 
    The comments I post are my personal opinion. While I try to check everything is correct before posting, I can and do make mistakes, so always try to check official information sources before relying on my posts.
  • beanielou
    beanielou Posts: 95,775 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great result. 
    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.
  • BookWorm
    BookWorm Posts: 2,507 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Huge congratulations. That's a fabulous achievement 👏
  • carboot_karaoke
    carboot_karaoke Posts: 321 Forumite
    100 Posts Second Anniversary Photogenic Name Dropper
    Many congratulations 🎉🎉

    I don't know what your future plans are but l think you deserve to treat yourself to at least the equivalent of a mortgage payment or two. You haven't got to this position without making sacrifices.

    All the best for the future.

    MFW
    Opening Mortgage Balance     16/06/2024 - £99569.04 term remaining 80 months (Feb 2031) 

    Current Balance £35,900

    MFW 2025 #31 £27,100 / £28,000 OP

    MFIT - T7 £27,100 OP

    0%CC May 2027-  £2,400

    Grocery Challenge 
    Jan £387.89 / Feb £ 355.67 / Mar £418.63 / Apr £478.37 / May £426.52 / June £376.18 / July £462.54+£103.32 entertaining / 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • Watty1
    Watty1 Posts: 6,932 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Great result!   

    Now don't just get involved in a relationship with a person without a paper agreement on the money side!  (A lesson I had to learn the very hard way)

    Seriously though - Well done.  
    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 !!
  • Jessy103
    Jessy103 Posts: 2,279 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Congratulations and well done! 🎉🥳🍾
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • powerspowers
    powerspowers Posts: 1,339 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Congratulations!! 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,600/£5,000


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