Hello Dear Reader,

Those who have been reading Frugal Queen from the start know my journey and how difficult it has been. In 2009, we sold our current house and found a little cottage to downsize into. At the 11th hour, our mortgage provider, or should I say the underwriter, pulled our mortgage with the stony words that we had too much on personal borrowing. I should say so, £45,000 of unsecured debt to be exact. We had to stay put with a massive mortgage and pay off the debts we owed at the same time. We paid that back in less than two years and then went on to over pay our mortgage.

Since then, we have drastically reduced our mortgage to the point that we had secured a good amount of capital to move. Even though our house has lost value, we will be moving to a cottage that on the day we turn the key, we will own almost 50% of it! This time, our mortgage has been agreed and the underwriters have no reason at all to withdraw the offer.

Now, my journey to mortgage freedom is real!

Now you can all share my new journey to a simpler downsized life. A smaller house and little garden. Other than that, nothing will change. In fact, it will renew my desire to live a simple and frugal life as I will be able to increase the percentage I over pay by as I will have more disposable income. I will also be able to save more and have more financial security.

Thank you to everyone who believed in me and your steadfast support through the dark times as it was your light and hope that got me here today.

Until tomorrow,

Love Froogs xxxxxxxx