Anyways, friends will tell you of the things we have missed out on because Spouse was on call at the weekend or working late at night. And for a lot of years on call meant actually out working. Even today he is spending all day in a tattie field on an installation and all evening figuring out electricals and electronics on the computer. He is an industrial refrigeration engineer for those of you wondering - yes, farmers have massive expensive climate controlled sheds for their crops!
But all the hours have their benefits. Well, one benefit - overtime. And I have a canny spouse who has saved his overtime and since we live nicely but modestly (I have never had extravagant tastes) now we reap the rewards.
This is my wee house. We bought it when we first married 15 years ago and have never moved. Conventional wisdom would have had us in a 4 bedroomed detached several years ago but we don't need the extra space and love the area. So we stayed put.
As of two weeks ago we own our wee house outright. So next month we have no mortgage payment to make. I'm incredibly proud of and yes, thankful for my man and his hard graft and financial foresight to take 8 years off our payment time. And more than a little giddy that we've done it!! I'm pretty sure it won't be our last mortgage (we have plans for a move once Chook is out of school) but to be 40 and paying off a house in full?! That's a bit cool.
Congratulations, to pay off your house is a wonderful feeling. The next feel good event is early retirement (was 51 for him and 55 for me). Dont be in a hurry to downsize once Chook has left home, always have a sewing room and a room for the Grandbairns to have sleepovers.
ReplyDeleteCongratulations! We still have 6 years to go but it's a good feeling, having the end in sight, and hoping that we'll be able to knock a couple more years off.
ReplyDeleteVery cool indeed. Well done, but very well deserved! juliex
ReplyDeleteOwning a home outright was a goal of mine and we did at a fairly early age, not nearly as early as you. People made fun of the fact we are still in our starter home, but we are pretty close to economy mood swing independent. I am in awe that you did it that early. Now the saving for Chook's school and your retirement. My girls both had scholarships, but there are always costs. Retirement for us means travel and it is expensive but fun.
ReplyDeleteHope your financial plans work out to your joy.
ConFreakINgratulations you guys!!! So proud of you!! Now if we could just get our house finished so you can visit!!!;)
ReplyDeleteCongratulations!!!
ReplyDeleteHow wonderful!
ReplyDeleteIt's a wonderful feeling that your house is entirely your own, isn't it! Well done both of you
ReplyDeletewell done! We're working hard towards that too but it's like to be closer to 50 for me! Proper chuffed for you x
ReplyDeleteGood for you - and for resisting the pressure to always up size, extend, increase and out do the neighbours. (But it will be a B and B that you buy when you do finally move won't it!) x
ReplyDeleteWoohoo, go you! I have 9 years to go, so my mortgage statement told me earlier. Like you, people would rather I moved, but I'm happy as I am!
ReplyDeleteWow! Well done! That must be an amazing feeling!
ReplyDeleteOh well done! Saving and living within your means sounds boring but gives such awesome results and feelings doesn't it? :)
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