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The Mortgage Free Roll Of Honour
Welcome to the Mortgage-Free Roll of Honour. This is for Mortgage-Free Wannabees who are no longer Wannabees. Please report a. The date you decided to become a MFW b. Mortgage Debt at its highest c. Mortgage-Free Date d. Your one perl of wisdom. e. The MSE Mortgage guides and others that helped you f. And if you had a…
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Mortgage-Free Wannabe sticky
🏢 🏡 Here are some Forum threads you might find useful: * Mortgage-Free Wannabe Welcome and Explanation * The Mortgage Free Roll of Honour * 2023 Mortgage-Free Wannabes 🏢 🏡 And here's some relevant content from MoneySavingExpert.com: * Overpayment calculator * Should I overpay my mortgage? * Should you remortgage? * I'm a…
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Our forever home
I'm a new mfw 😊, moving over from the dfw board. We moved into our forever home on 16th November 2020. 90% LTV, 25 year mortgage. We've just paid our first standard monthly payment so only 299 more to go!!! We'd like to actually pay it off a little sooner, but due to home improvements and our saving pot for IVF it's likely…
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+++ Divide By Cucumber Error. Please Reinstall Universe And Reboot +++
My third diary. <<<out of cheese error>> documented our debt free journey and then paying off the mortgage +++ Whoops! Here comes the cheese! +++ focussed on early retirement plans, and then my first year as a widow. This time I will be focussing on a positive new start in my brave new world. Final stages of renovating a…
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Steadily climbing the mountain, enjoying the view along the way
I have been pondering for a while stating a new thread, as at 700+ pages my old one is getting very long and doesn’t feel so aligned with where I am now. 2026 is going to be about getting myself to as healthy and happy a place as I can. Life is short and my inherent perfectionism means that I tend to want to achieve,…
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Pay off mortgage and start having even more fun 😁
Finally after twelve years of part one of this diary it’s time for part two 😆 Heres part one, slightly lengthy now to say the least! https://forums.moneysavingexpert.com/discussion/2408201/pay-off-mortgage-and-start-having-fun/p1 So condensing 12 years into a few sentences…. I joined the mfw board in April 2010, with a…
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Learning to walk before I run
Hello all! :) I am returning to the forum in an attempt to gain your collective wisdom in sorting out our dire finances. I've been experiencing a series of mini lightbulb moments of late and have realised that it's time for a change. Despite being vaguely savvy as regards areas of personal finance such as pensions, I have…
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Baby steps to mortgage freedom for beanielou.
My first thread on the MFW board!! My mortgage has 6 & 1/2 years left to run. My income seems to decrease more & more & it becomes more & and more of a challange to pay my hefty(to me) mortgage. I have managed an overpayment last month as I got some £££'s unexpectedly. My biggest fear is not being able to pay my mortgage &…
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2026 Mortgage-Free Wannabes
MFW 2026 - The annual challenge for everyone who would like to track their mortgage overpayments, mortgage payments, or even house-related savings. Feel free to join any time throughout the year. A very warm welcome to the Mortgage Free Wannabe 2026 thread! <3 Over the last few years, this challenge has been providing…
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CrazyBee wants to be Mortgage Free!
This diary is going to be my typed up journey to mortgage
freedom. I begin a new job in the New Year and the mortgage roughly equates to
46K. I have projects that need doing around the flat such as flooring and
kitchen, I will be earning £1950 after tax per month roughly speaking and I
also will need a car fund soon.…
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"Isn't it nice to think that tomorrow is a new day with no mistakes in it."
So after lurking on other people's diaries for the last few years it's time to start my own. I'd almost paid off my mortgage 4 years ago when I decided to move to somewhere a lot bigger and a lot more expensive. It was also a project. So for the last few years there have been no overpayments as everything has gone into…
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Knocking years off the mortgage…that’s the goal!
Good morning! So thought it was time I started a diary so I can keep track of progress we have made. Bought our home in 2019 with a £240000 mortgage. Consistently overpaid £100 a month for the last 4 years and now starting to tackle the mortgage seriously, we are able to overpay around £600 a month so we are clearing 2…
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And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
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From Frugal Foundations to Fortified Family Future
Good evening MFW'rs I hope there is a little space in diary land for me (Greying Pilgrim) to take up residency and chart our journey to mortgage freedom - albeit we're doing it a little back to front. The short story is, that we did own a home - Greying Towers - but 4 years ago we moved into rental accommodation with the…
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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Hi all 😊 I'm Cheery 😊 By name and (usually 🙄) by nature. I've been around here for many years, taking in all the excellent wisdom and trying to use as much of it as possible 😊 We are two, Mr Cheery and I. We have been together for over 18 years 😮 We moved to the countryside six years ago, gained a large mortgage, and a…
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Investing in Us: Holidays, Health, and the Road to £150k
New diary for 2026 (I know I am a little early)! The last year has
been so up and down for me, I would like some fresh energy and a new
focus. If anyone is following me over from my old diary, then they
may know I moved house end of 2024 and upped my mortgage from a
comfortable sub 100k to approx £120k. Then this summer…
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Five Year Fix, Five Year Plan
I've not even got a mortgage yet, but here I go. I'm finally getting on the housing ladder and settling, after living around the country for the last decade. I've been in a position where "I'm just about to buy" for about 8 years for various reasons, so while I've not spent well, I could have saved better instead of…
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Dilemma, Dilemma, Dilemma
Hello, I've been on MSE for many moons, gone through debt repayment and many challenges but this one feels the absolute worst. I'm kind pre 'mortgage free wannabe' but also needing the comfort blanket of a good ole MSE diary. So current situation, co-parenting with Ex H. We both have partners and everything is friendly. We…
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Mortgage Free now aiming for FIRE
Time to start a new Diary. I have had my old one since Autumn 19 which is when I moved into my forever home after 4 years of renting in London. I am 52 and I live with my DG on the South Coast. I have a well paid job for my sector and was finally made permanent and full time in December 21. DG is self employed which she…
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The final countdown to June 2026
After +15 years of lurking on the site l have finally decided to create a MFW diary of my own. A brief-ish history 2009 took out current mortgage a tracker with FD, +0.79% base rate, allows fee free unlimited overpayments, and crucially, withdrawals upto the original amount borrowed. Thanks to your inspiration, super low…
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Easter 2025 I’m coming to get you!
OK so that maybe slightly optimistic but you have to dream big! I’ve been reading these for a while and decided it was time to go public instead of lurking; hopefully I can keep up with it and keep motivated. I have a mortgage which is not huge but I still have one. Originally £80,000 in November 2015 and as of tonight…
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Kimplus8 needs her mortgage free date!
New thread to begin my mortgage free journey. I started my mse journey almost a decade ago on the debt free board feeling like I had a mountain to climb. Here I am debt free except for a mortgage, determined more than ever to have a mortgage free home for me and the kiddos. I can wait to buckle up for the ride x
