When we were paying off our debts it felt like forever. We went as deeply frugal as it was possible to go and it still took us two and a half years to pay off the consumer debt that we had. At that time, we only had an interest only mortgage and then we had to change to a repayment mortgage as soon as the debt was gone. We then went into the next storm mode and paid down our mortgage from 217,000 pounds to 177,000 in the next three years so we were deeply frugal for almost six years. We didn’t eat out, buy new clothes except underwear and shoes, we didn’t buy any gifts and we didn’t buy anything for our house. Was it fun? No! Did we enjoy it? Yes! It was the biggest challenge of our lives and we totally changed out lifestyle and mindset. We …