I have repaid my mortgage! I am 100% debt-free!!
I had a cake made to celebrate
Years ago I was working part time in food service. I kind of liked it because it was casual and easy and the people were nice. But I was told to get a real job so I got a real job and I still remember the first day. I hated it so much. I have never felt so trapped in my life. The thought of having to come in every day to do 8-10 hours of slog so I can pay bills and never have any free time was crushing. So I pledged on that day that I would do everything I could to get myself to a point where I was financially independent and could work on my own terms.
I have now fulfilled that goal. I repaid a 30 year home loan in 7-8 years by doing overtime, eating beans out of a can, and shivering under a blanket because heaters are expensive to run. I haven't even paid for a haircut in a decade! I now own my house outright and have zero debts, not even a credit card. I did the math and I avoided over $105,000 in interest I would have paid over the full term.
Some may remember I asked for expensive ways to celebrate something because blowing a bit of money was the only way that was appropriate. Now you know why. I never did think of anything perfect. On the day, I just watched some Monty Python films.
As for the future, I am on the home straight. I have investments set-up such that I could stop working right now. What I intend to do is keep working while I repair my apartment for sale. Once I find a nice home way out in the country somewhere, I'm going to quit my job, move to where I will never have to see another person again, fulfill the libertarian dream of running away from the communists, and complete my transition into an eccentric hermit. It's going to be great. With any luck, it should all take only a few months and I'll be free by Christmas and maybe even before I'm 30.
view the rest of the comments →
[–] CowboyDancer 0 points 1 point 1 point (+1|-0) ago
Congrats, you glorious Aussie. Enjoy living “off the grid”.
As a city boy through and through, the life you aspire to would absolutely kill me. This means even if you weren’t on the other side of the world, we’d never get in each other’s way, in kind of a strange symbiosis.
Just make to pump the Australian government to run some internet out to your country refuge so we don’t miss out on any of those @carsandsarcasm classics. Just pretend to be some marginalized leftist fringe group and they’ll probably be there double-time.
[–] Carsandsarcasm [S] ago
The government actually installed a fibre network and they prioritised the rural areas. It's very widespread, and though the towns are fairly well served, not the homes in between. I will look into seeing if I can have it installed on demand. I'm just very done with having neighbours and would consider compromising on connection quality/speed and even existence for my solitude. Your role is easy, though. Just keep telling people how lame the country life is so people stay in the cities.