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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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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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Prosperous and Creative Soul Year 5
Close to 4 years ago I finalised my divorce and completed on my biggest ever mortgage - £202K and switched from interest only between 2 of us to repayment on my own. I took the term for as long as I could - so 22 years - which means I would be 73.5 by the time I was actually free. Then I owed c£1.5K on a 0% but had a £2K…
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Progress is...
Starting a Mortgage Free Diary!
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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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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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"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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Renewed focus: the (less-than?) five-year plan to move
Morning all, With the arrival of September (always a good month for a fresh start) and our newly formulated medium-term plan to move, it feels like a new diary is in order. I fear we have been living too much of the 'good life' - not that we can't afford it, but feelings about where we live have crystallised and we don't…
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Manifesting Money Magnet
Well, hello there, 👋 Be diary, new me! ✨✨✨✨✨✨✨ I'm starting a thread on the mortgage fee wannabe section because that's one of the things I really really really want to be! I have been a member of the forum for over 10 years, rather on and off mind, but had to change everything when I was found out. So I'm back new times…
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New life, same goal! Pursey’s quest to be mortgage free.
I started a diary back in 2011 with the aim of being mortgage free within 10 years; a goal I would’ve smashed (within 7), if we hadn’t bought our dream house in the hills. Life has changed so much since 2011, most significantly because we are now blessed with 3 wonderful children. Then we found somewhere perfect to live,…
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Let the 10 year overpayment begin.
My mortgage doesn't have a chart on the app, so I decided to ask ChatGPT to build me my own little one. I'm way more motivated by things I can see visually, and on my mortgage app it just shows the value of my mortgage. With this chart, I can visually see the decline as it occurs each month and that makes it easier for me…
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Watty's Awakening
Time for a new diary I think. It is 2024, my last diary began over 10 years ago and so much has changed. My introduction in case we have not “met” My first diary told the story of, what I thought was a long and
happy relationship, paying off a mortgage aiming to get my financial freedom
from the world of work by paying off…
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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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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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Mortgage free ASAP
Hi everyone :wave: I've decided that starting a diary will help keep me on the straight and narrow and give me a place to think out loud and to remind me of my plans. I've lived in my home since August 2014 with my DS. My current mortgage balance is approx £48270. I OP £100pm which brings my MFD to 2033 (from 2049 :eek:).…
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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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More Effort Required - the next 5 years
Background: 2014 - Final LBM and DFW 2019 - DFD - exhausting journey but :smiley: 2020 - Back on the property ladder £300k+ 2025 - Mortgage down to £200k+ 2026 - Reset needed 2031 - Working towards MF by SPA Looks like I do these things in five year cycles, so hopefully this is the final one. How do I enjoy these next 5…
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The alternative hive - making plan B work
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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Thank god we paid the mortgage off
My previous diary was pulling my frugal pants on. I decided to start a new diary because, well because our new start that we had planned isn’t going to happen. So dad’s house sale finally went through and we’d decided that we would use my inheritance to offset OH dropping a day at work. Money would be tight but doable.…
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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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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…
