Earthgirl's Final Battle

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  • Needhelpsaving
    Needhelpsaving Posts: 1,083 Forumite
    First Anniversary Name Dropper First Post
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    :dance::dance::dance::dance::dance::dance:

    Congratulations!!!!!!!
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • greent
    greent Posts: 10,671 Forumite
    First Post Name Dropper First Anniversary Photogenic
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    Amazing! Huge congratulations! :T :T :T
    xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
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    Thank you all!

    I've updated my signature.

    Here is my old signature for info:

    15/5/12 Paid off Mtg 1 (£220k)
    Dec 13 - £116,508 Bought Dream House
    Dec 14 - £94, 402 (£22,106 offset 2014)
    Jan 16 - £67, 852 (£26,550 offset 2015)
    Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments :( )
    Jan 18 - £11,687 (£28,086 offset in 2017)
    Mar 18 -£8524
    June 18 - £ - 2,205
    July - £545
    Kids savings 13,578/36k

    My first goal is to get the monthly buffer for expenses up to £2k, which I should do by next Friday.

    Then I am saving for travel yipee!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • julicorn
    julicorn Posts: 2,283 Forumite
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    Huge congratulations! It's incredible how quickly you managed to achieve this! :j
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • apple_muncher
    apple_muncher Posts: 14,711 Forumite
    First Anniversary Mortgage-free Glee! First Post Name Dropper
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    You must feel like you are floating along with the removal of the mortgage millstone. Well done you!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
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    I'm not really sure if I should keep on posting as I have saved enough to op. But I haven't actually done it yet so the money could be used for other things if necessary. I still have financial and life goals I'm working on. And posting helps.

    Today I managed a workout, different one to normal and didn't like it as much as it bothers my back. Drank 2 glasses lemon water and stayed marginally more hydrated. No alcohol since Saturday. Food ok. Biscuits my downfall, banned from tomorrow! I have to have them in the house for students.

    Took everyone swimming this afternoon. Bargain as free swimming for kids in summer hols so £3 spent and 5 of us went swimming. Wow! I'll do this a couple of times with the next students too.

    Decided to buy ds2 a nose clip £3 spent as I think it'll help him make progress.

    Oh cooked tea which gave me a break. Oh is away tomorrow at our friendS funeral, he'll be away for a couple of days, kids going for a sleepover at grandparents which gives me a night off :)

    So, biscuits banned tomorrow, report to write in lesson, kids to entertain and more hydration and healthy food on the menu.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    earthgirl wrote: »
    I'm not really sure if I should keep on posting as I have saved enough to op. But I haven't actually done it yet so the money could be used for other things if necessary. I still have financial and life goals I'm working on. And posting helps.
    Absolutely reason to carry on posting, keep going!
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 90,308 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Keep posting :D
    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.
  • apple_muncher
    apple_muncher Posts: 14,711 Forumite
    First Anniversary Mortgage-free Glee! First Post Name Dropper
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    Please keep posting.


    We got to mortgage neutral and then had to buy a car so returned to 'having a mortgage' and building up the offset/paying down the capital again. Until it is all gone and we have the deeds, I still am a MFW.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • Needhelpsaving
    Needhelpsaving Posts: 1,083 Forumite
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    Keep posting!!
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
★ ★ ★ Meet your Ambassadors

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