Mortgage-Free Wannabe

A question about : Onwards to The Forever Home

New diary - new username - older member. I've changed my username as I think I became a little public for my liking.

I'm not a stranger to these forums, nor money saving, but seem to have taken my eye off the ball lately and been distracted with shiny things. Must stop! Time to refocus and keep the budgets in order which should in turn release some cash to send to the mortgage pot.

A question about : I haven't posted in ages- now mortgage free!

Years probably!

I too wanted to find a way to pay off my mortgage. I read other people's threads to get some ideas. However, instead of overpaying, what I've done is downsize, well I say downsize, it's the same size house, just in a much cheaper area.

So that's my journey complete, every brick and blade of grass (and weeds) officially belong to me now.

Nice feeling innit.

A question about : Small overpayments?

Hi all
Me and my wife bought our house just over a year ago,at the time every penny we had we on improving our house,now we have a few quid left over each month.Is there a minimum overpayment as a one-off you can pay?I don't want to tie myself down to regular overpayments in case the washing machine of fridge goes wrong,
I was think in the region of Ј20-Ј50 when I can afford it or would I get laughed out?.
Thanks in advance

A question about : In need of direction!!

Ok... So finally bit the bullet and decided to start a journal of my life.. A place for me to ramble and gather my thoughts..

Why now? In exactly 9 months I will have my 40th birthday.. I do not want to feel then how I feel now.. Not in control, no sense of direction, unhappy physically, stuck in a bit of a rut.

A question about : Dilemma to sell a property in Ireland and pay off some of my mortgage here?

Can anyone advise please my brother and myself own a house in Southern Ireland which we inherited and have been earning rent from it over the last few years. It has lost about 70,000 euro's in value due to the dire property market there and the awful euro rate at the moment. the house was bought for 210,000 euros in 2006 and is worth now aprox 140,000 euros

A question about : Disadvantages of downsizing?

Hi

A question about : Getting O/h onboard?!

Read Laurajos thread and was so impressed. I just wish I could get my other half onboard like LJ did with hers.

So our current SOA is 110k mortgage with approx. 21years (I think)
Debt of approx 7.5k on a cc (slow stoozed at zero)but more about that in a minute.
loan with approx. 2k outstanding
15k of my personal savings, o/h has none.
15yr old son (o/h) and 3yr old daughter, O/h is currently stay at home housewife.

A question about : pension to pay off mortgage

thanx will do as suggested

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