After a divorce, the author sold her home and paid off her mortgage, choosing to buy a new house in cash. This strategic decision allowed her financial freedom, avoiding the pressures of mortgage repayments while self-employed. Periods of minimal savings and the stress of managing bills drove her to make this change. Ultimately, she found a charming barn conversion that suited her needs perfectly, capitalizing on her profit from the previous home, and thus achieved her goal of living without a mortgage.
Being mortgage-free has transformed my life. I travel more, enjoy my work, and axed my credit debt.
I made the decision to sell the property and, with it, pay off my mortgage in full, which I did.
Finding a property that met my needs was key, and luckily, I discovered a barn conversion that was within my cash budget.
As a single, self-employed person, getting a mortgage was always going to be tougher for me than when I had bought my previous home.
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