Lifestyle

We paid off our mortgage and started living our dream life

Freedom has all the time been actually essential to me. I’m a little bit of a insurgent and love with the ability to make modifications, however when you might have youngsters you need to take their wants into consideration too, so there was an extended look ahead to me.

In the mid-Eighties, I used to be in a position to purchase a flat in Kentish Town in London with a £43,000 mortgage, which I couldn’t have completed with out my mother and father kindly giving me the ten% deposit. I used to be 27. My solicitor was fairly a fatherly determine who instructed me to pay off my mortgage as quickly as I might and that recommendation all the time stayed with me.

Then I acquired married and had three youngsters and the money pressures had been all the time on. I longed for freedom from a mortgage however couldn’t actually see how I might ever do it. In 2009 we found that the HS2 line was going to be inside 200 yards of the dilapidated farmhouse and barn we had simply purchased, hoping to develop them, and it was like trying over a cliff. No compensation was initially supplied. I needed to negotiate with the Secretary of State to purchase us out at simply 85% of its value.

We sadly divorced in 2014. I purchased a flat in Exeter which my son was living in whereas at college. I rented a tiny flat in Hampstead with my youthful daughter whereas I labored as a household lawyer. In 2016 I met Tim, who lived in a two bedroomed flat he’d purchased in Teddington after his personal divorce. He proposed that November, simply earlier than being made redundant.

We determined to make use of the redundancy to spur us on to make a extremely large change. We put each our flats on the market and discovered this lovely five-bedroom home overlooking the South Downs – it’s the outdated servants’ quarters of a home constructed by a Victorian architect Anthony Salvin in 1865 for his retirement. We mixed our funds from the sale of our flats and an inheritance from my mum additionally helped, so we moved in March 2018 and acquired married that June.

Being mortgage free has given us unbelievable freedom to alter our lives. Tim had all the time wished to be a counsellor, one thing he’d started coaching in part-time in 2000 when he was nonetheless a journalist. He was in a position to retrain fulltime while performing some freelance modifying work.

In November 2018 I used to be in a position to retire from authorized follow and begin writing my memoir No Place to Lie. I’d been planning it ever since 1981, when my youthful brother died by suicide and I realised what a fancy household historical past now we have. I’m now writing my second ebook and working as an Ambassador for Zero Suicide Alliance, whereas Tim works as a {couples}’ counsellor.

Paying off our mortgage has been a magic golden key to a unique life – the place we’re each fulfilling our life goal – and that is precisely the place we wish to be.

“We went without luxuries for a decade, so now we can explore the world from pole to pole”

Magician Matt Windsor, (49) and his spouse, Amy, (40), reside in a 4 bedroomed indifferent home in Manchester with their sons Aidan, Leo and Charlie. Financial safety is Matt’s first precedence, nevertheless it additionally modified Amy’s life in a means neither might have imagined

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