Published on June 18, 2021

New replays highly rated reduce Debt, Credit Repair Software, and Are You Debt Free With a Mortgage, How We PAID OFF Our MORTGAGE In 7 Years (UK) | DEBT FREE.

HOW TO PAY OFF MORTGAGE EARLY UK. Learn EXACTLY how we paid off our mortgage in 7 years πŸ™‚ β™₯. FREE DOWNLOAD – Overpay Mortgage Calculator (2020 UPDATED) – . Instructions for the using the mortgage payoff calculator is here:

We’re helping 10,000 Families achieve Financial Independence this decade! 😊 Join our mission. Join our NEW Membership Programme:

p.s. In case you’re curious, we paid off about Β£330k and Β£60k interest in just over 7 years!

Here is an updated 2020 video on How Being Mortgage Freed Has Changed our Lives Forever on a practical day to day:

β˜…β˜… WHAT TO WATCH NEXT β˜…β˜…

9 BEST Passive Income Ideas (that make Β£1,000+ PER MONTH) –

BBC Inside Out Film – Can You Achieve Financial Independence & Retire by 40? –

How To Invest Β£1000 (9 Best Ways to Invest) –

10 Mindset Shifts That CHANGED My Life (FOREVER) –



(1:37 , 18:36) – FREE DOWNLOAD – Overpay Mortgage Calculator –

INSTRUCTIONS for the mortgage payoff calculator:

(2:02) – FREE 10-Day PRACTICAL MONEY Course –

(17:14) – Quidco –

(25:06) – 85 Ways To Make Extra Money –

Read the FULL BLOG POST here:

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Canon EOS M50 Camera –
Canon 5D Mark II Camera –
Canon EF 24 – 70mm F2.8L Lens –
Canon EF 50mm F1.4L Lens –
Manfrotto Tripod –
Apple iMac 2019 –
Rode Microphone –

β˜…β˜… ABOUT US β˜…β˜…


I’m married to Ken and we have two boys aged 6 and 4. I’m a Londoner, born in Hackney! πŸ™‚

Day to day, I run the operations of The Humble Penny as a creative – doing everything from marketing to video editing. I studied Multi-media design and technology at Uni.

When I’m not creating, I love vegan food, travelling, working out and doing some outdoor fun things with my husband and kids πŸ™‚


I’m a husband, dad, and a First Generation immigrant to the UK. Started life poor in the UK and I’ve spent the last 20 years on a steep journey of Personal Development.

CFO by day with over 12 years experience in the investment business. I’m also a Chartered Accountant and hold an MBA from Cambridge University.

To explore my creativity, I’m a blogger and YouTuber by night. I create from my experiences as a family man and entrepreneur.

I have a passion for all things Personal Finance, Business and Personal Development. I also love Photography, Music, Travel, and Sport.

We became Financially Independent aged 34 and our story has been featured on the BBC, Mail Online, Channel 5, Metro, etc. We share content to inspire and teach others how to achieve Financial Independence/Freedom too.

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β˜…β˜… OUR ONLINE SCHOOL β˜…β˜…

Visit our online school at Financial Joy Academy for Video Courses:

Financial Joy Academy

β˜…β˜… About this video β˜…β˜…

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Massive thanks for watching and following our channel πŸ™‚ β™₯

Best, Ken and Mary

#howtopayoffmortgageearlyUK #mortgagefree #howtopayoffmortgagefaster

Are You Debt Free With a Mortgage

Are You Debt Free With a Mortgage, How We PAID OFF Our MORTGAGE In 7 Years (UK) | DEBT FREE.

When Planning Your Financial Obligation Decrease Strategy, Suggestions.

Oprah compared Americas over-spending practices to our comparable over-eating habits. Hence a credit limit is specified for you. Excuses are how we get by every year, doing the very same things and getting nowhere.

How We PAID OFF Our MORTGAGE In 7 Years (UK) | DEBT FREE, Enjoy more reviews relevant with Are You Debt Free With a Mortgage.

How To Stop Greedy Banks And Begin Living Financial Obligation Free

Some people however, think the other way round. You must assess these alternatives before making choice for declaring an insolvency. Numerous books and short articles have actually been written to fix this.

Being under a debt is an extremely undesirable circumstance. Not just does it nab away your mental peace, it drains you physically too. The continuous pressure of needing to clear a large sum of money as your financial obligation is really frustrating. But to tell you the reality there is financial obligation all over. In fact it is almost difficult to have a financial obligation free world where whatever is negotiated in regards to credit. However debt is all right as long as the scenario is under control. Issues occur when you need to have a hard time to clear your debts, quit on the regular functioning of life and when your entire world seems to be focusing on getting rid of the debt. You loose out on your social and domesticity as well.

If it is a Secured Debt, such as a home, home or vehicle, the product value is held as security for the debt. The product can be seized by the lender and offered to please the debt if you pass away while money is still owed.

Numerous times, debt can avoid us. This is the time to buckle down and attempt to get a plan that can help you finally avoid the financial obligation cycle that has the prospective to bankrupt so numerous American Families.

The way this mode of bankruptcy works is fairly basic in design and concept. It can be considered a type of liquidation bankruptcy. That means that all possessions that are not exempt will be sold (liquidated) and all cash generated from the sale will then go to those debtors that are owed money. Obviously, there is more to the procedure than this however that is the most streamlined description of how it works. Then the person that has actually filed for bankruptcy defense will be Debt Free, if the liquidation leads to a complete reward of all debts owed.

Kinds of charge account open – Credit cards are called Revolving Debt. Since of those minimum payments that are due with no real strategy for payoff, I suppose it’s. The debt just keeps revolving month after month. The more revolving financial obligation you have the lower your score will be. Nevertheless, all of these credit cards might not be reported accurately. Something as basic as an incorrect credit limit could be injuring you. Opportunities are you can dispute these items while repairing your credit and increase your score. Credit repair work can help tidy up these mistakes.

You will begin to accomplish true monetary self-reliance in a reasonably short time when you put your strategy into action and follow stage I and stage ii of this new strategy.

Envision what you will have when you are debt complimentary. Just how much additional money will you have when you are not paying all that debt. Imagine the much better life you stop losing huge amounts of money on interest payments.

Do this every month till you settle the smallest debt. Each time a loan is settled, your credit report will increase. The answer: By utilizing business idea of the 21st century.

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