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  • FIRST POST
    • slowlyfading
    • By slowlyfading 1st Jan 13, 11:26 AM
    • 12,933Posts
    • 74,254Thanks
    slowlyfading
    SF's road to mortgage freedom!
    • #1
    • 1st Jan 13, 11:26 AM
    SF's road to mortgage freedom! 1st Jan 13 at 11:26 AM
    I can finally join in on this board!

    Bit about me: I joined MSE way back in 2006, aged 20, as a student looking to make her money go further. Since then, I've graduated, done a post grad, got a job, made redundant, got a temporary job, moved house, then got a permanent job and bought a house!

    Me and DH (we got married in 2012) moved in on 20/12/2012 and we begin our next chapter. The house is lovely, although there is still lots to unpack and sort out

    Now, the numbers. We have taken on a mortgage of 123,000 (just typing that is scary!) over 25 years, and it follows the the base rate, so whilst interest rates are relatively low, our payments aren't too bad. However, if interest rates were to rise quickly, we would find it a bit more difficult! In an ideal world, I would love to be mortgage free by 40, which gives us just under 14 years to make it happen! After doing an SOA, we can make decent over-payments each month, on top of our monthly mortgage payment, so long as we're careful with spending during the month. We can make unlimited over-payments, and don't get charged for an early finish, which is great. In fact, I can see that this is going to become addictive!

    So, at long last, this is SF's journey to becoming mortgage free!
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / July NSD - 8 / Ultimate Dream Fund - 25,646.36/306,000
Page 109
    • slowlyfading
    • By slowlyfading 4th May 17, 8:32 PM
    • 12,933 Posts
    • 74,254 Thanks
    slowlyfading
    May 4th, 2017.

    I took DS to our local park this morning for an hour, just to have a change of scenery. I'm still not feeling that great but he needs the fresh air and to burn off some energy. It's definitely a work out though! An hour is definitely enough, for both of us. The rest of the day I have just relaxed and played with him at home.

    Again, I had hm chicken and tomato soup for lunch, though that's all finished now. Had it with some cheese on toast on the side, lovely frugal meal. Again, I'm sat with a cuppa relaxing now.

    Money in:
    Nothing

    Money out:
    NSD

    Other:
    8 OP
    3.45 transferred into savings.

    Happy Thursday.
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / July NSD - 8 / Ultimate Dream Fund - 25,646.36/306,000
    • Karmacat
    • By Karmacat 5th May 17, 8:28 AM
    • 29,430 Posts
    • 168,897 Thanks
    Karmacat
    Hi SF

    I'm sure thats wise to get out and get some fresh air, for both of you.

    Thinking of you xx
    Retired August 2016
    • AlexLK
    • By AlexLK 5th May 17, 10:06 PM
    • 6,090 Posts
    • 32,250 Thanks
    AlexLK
    Being outside will help. Some days I find it difficult to motivate myself to get out but when I do it helps.
    2018 totals:
    Savings 11,200
    Mortgage Overpayments 5,500
    • slowlyfading
    • By slowlyfading 25th Jun 17, 8:53 PM
    • 12,933 Posts
    • 74,254 Thanks
    slowlyfading
    I'm sorry I haven't posted much; life seems to pass by in a blur as things are so busy.

    One of the main reasons why I haven't been posting is I'm pregnant

    I'm due at the end of December, so lots of things to do before that. But the lack of energy I feel at the moment isn't helping. I do get quite a lot of "morning" sickness [it's all day] but not every day which is was with DS so I'm relieved about that.

    So, there's my news

    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / July NSD - 8 / Ultimate Dream Fund - 25,646.36/306,000
    • Westie983
    • By Westie983 26th Jun 17, 3:41 AM
    • 4,420 Posts
    • 14,959 Thanks
    Westie983
    I'm sorry I haven't posted much; life seems to pass by in a blur as things are so busy.

    One of the main reasons why I haven't been posting is I'm pregnant

    I'm due at the end of December, so lots of things to do before that. But the lack of energy I feel at the moment isn't helping. I do get quite a lot of "morning" sickness [it's all day] but not every day which is was with DS so I'm relieved about that.

    So, there's my news

    Originally posted by slowlyfading
    Congratulations SF

    ;0)
    Save 12k in 2018 #10 Total (25,000)+11,000/12,000 = 91.66%
    Sealed Pot Challenge ~ 11 #97 Total (410) + 40/500 = 8.00% ( x 11)
    Xmas 2018 1 a Day #2 Total 62.59/365 = 17.14%
    Virtual Sealed Pot #1 Total 1000/1000 = 100.00%
    2 Savers Club 2018 #16 Total (1500)+-480/2000 = 51.00%

    Total 13,122.59/15,865 = 82.71%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • PrincessLou
    • By PrincessLou 26th Jun 17, 10:20 AM
    • 494 Posts
    • 1,918 Thanks
    PrincessLou
    Such lovely news and so exciting!
    Mortgage - 105,500
    • beanielou
    • By beanielou 26th Jun 17, 2:19 PM
    • 55,443 Posts
    • 222,361 Thanks
    beanielou
    Great news for you
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Karmacat
    • By Karmacat 26th Jun 17, 8:59 PM
    • 29,430 Posts
    • 168,897 Thanks
    Karmacat
    Congratulations, SF! Glad to hear you're taking care of yourself rather than posting
    Retired August 2016
    • AlexLK
    • By AlexLK 28th Jun 17, 8:41 PM
    • 6,090 Posts
    • 32,250 Thanks
    AlexLK
    Congratulations, SF.
    2018 totals:
    Savings 11,200
    Mortgage Overpayments 5,500
    • slowlyfading
    • By slowlyfading 29th Jun 17, 10:44 AM
    • 12,933 Posts
    • 74,254 Thanks
    slowlyfading
    Thanks everyone
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / July NSD - 8 / Ultimate Dream Fund - 25,646.36/306,000
    • CathT
    • By CathT 29th Jun 17, 3:28 PM
    • 5,614 Posts
    • 39,180 Thanks
    CathT
    Congratulations SF, such lovely news.
    June 2018 -
    part 1 - 77,571
    part 2 - 45,272
    Total - 122,843
    • Kahra
    • By Kahra 3rd Jul 17, 10:35 PM
    • 88 Posts
    • 443 Thanks
    Kahra
    Congrats, SF!
    • slowlyfading
    • By slowlyfading 4th Jul 17, 8:36 PM
    • 12,933 Posts
    • 74,254 Thanks
    slowlyfading
    Thanks everyone

    December is a looong way off, so not getting overly excited just yet we're going to find out whether it's a boy or a girl at the 20 week scan and then I can get planning

    Not much else to report, plodding along.
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / July NSD - 8 / Ultimate Dream Fund - 25,646.36/306,000
    • slowlyfading
    • By slowlyfading 7th Jul 17, 8:06 PM
    • 12,933 Posts
    • 74,254 Thanks
    slowlyfading
    I feel very emotional today. I saw the news about Bradley Lowery and I just feel so sad. Heartbroken for his parents and cannot imagine what they are feeling.

    I hugged DS an extra time before bed tonight. Even when things are tough, he makes me world so much brighter.
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / July NSD - 8 / Ultimate Dream Fund - 25,646.36/306,000
    • slowlyfading
    • By slowlyfading 11th Apr 18, 8:42 PM
    • 12,933 Posts
    • 74,254 Thanks
    slowlyfading
    New thread: http://forums.moneysavingexpert.com/showthread.php?p=74147756#post74147756
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / July NSD - 8 / Ultimate Dream Fund - 25,646.36/306,000
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