A THRIFTY couple have paid off their £95,620 mortgage 28 years early.
Siobhan Bowen, 36, and husband Lee, 38, bought their three-bed semi for £112,500 in 2011, when on a combined £40,000 wage.
The loan started at £394 and they overpaid £160 a month by budgeting.
They still enjoyed holidays in New York, Croatia and Italy, as well as riding out spells when Siobhan took maternity leave or was out of work.
Siobhan, now a financial planner of Great Wyrley, Staffs, said: “We became disciplined and educated ourselves with money-saving podcasts.
“Over seven years we repaid £112,924.57, saving £57,288.71 over the mortgage’s expected lifetime.
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“There was no inheritance or secret lottery win.
“It was done through hard work and saving.
“Being debt-free has given us security, freedom and peace of mind.”