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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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MF by Christmas 2024 - let's do this!
Hi everyone, I’m taking the plunge and starting a MF diary as DH and I
want rid of the millstone around our necks. We both work full time and are currently supporting DS2 who
is in year 2 at uni. DD finished uni in the Summer and has a temp job so we aren’t
charging her rent atm. DS1 lives with his GF so they are…
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The Best Is Yet To Come
The Best Is Yet To Come - or so the front cover of my new diary says. I normally hang out in the debt free wannabes, but as I have had my diary on there for almost 10 year (yes the same diary), and have been debt free since April 2018 I thought it was time to migrate over to the mortgage free wannabe area. Please be gentle…
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Where to focus - mortgage, renovations etc?
Hello, My partner and I bought our first home together last year (we're late 30s, and both had homes of our own before). The mortgage is high, but it's a forever home and we also only put down a 15% deposit so as to keep some cash back for renovations. Although we have a lot in savings, we've found the cost of materials,…
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misstara's mortgage free diary
I've been kicking about dfw for years, firstly paying off debt, then saving a deposit and now am finally joining the mfw section of mse :smiley: We've just bought a wee 2 bedroom terraced house - missives were concluded last week, will sign all paperwork this week and get the keys next week. Thanks to an extremely generous…
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Frosty melts the mortgage!
I have lurked on this forum for years and found it very inspirational, so I've taken the plunge and joined - hello! 😊 On Thursday (23 April) I had a phone call to fix my mortgage again, and I've decided that now is the time to buckle down and clear it. My new fix comes into effect on 2 August, and I've fixed for another 2…
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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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Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
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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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Never a good time but here goes..
Having lurked on and off for a while, it was about time to commit. I’m 38 and about 7 months pregnant so instead of traditional nesting in the form of cleaning, I seem to have resorted to financial nesting instead. My mortgage was originally for 25 years - fixed for 4 then reduced by 3 years when I switched to a new deal.…
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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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65k in 65m
Hi! So, I've been reading this forum for a while now but I've only just decided to make my own diary. I have an obsession, which probably teeters on the edge of being unhealthy, with becoming mortgage free, ever since I realised I would have to borrow to own my own home. As I don't really have anyone that I can talk to…
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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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Moving on up! 🏡
As of this week, I am mortgage free! Unfortunately, that won't be for long. I currently live with DH and our 3 dogs in a one bedroom semi-detached bungalow with no garden or parking. It's what I could afford on my own when I first moved in back in 2019, but now it's time for us to save and move up the ladder. Ideally, we…
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The second hurdle - Nichelette v the huge mortgage
Hello! I thought I would start a new diary as we attack the second phase of our mortgage... In Jan 2019 we bought our first (lovely, but little) house for 320k with a 10% deposit. South east prices :s . With the fees we began our journey with a mortgage of £289,500 over 30 years. To be honest, whilst it was affordable to…
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22 Foxhole East
I just made my first mortgage overpayment. We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!). So far I have…
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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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A new royal start
I mmmed and ahhhed about whether to start a diary on here or not. However, my head hurts with all my internal planning, so I thought I'd give it a go! I cannot promise excitement though! So here goes... we bought our house almost 6 years ago now and stretched ourselves quite a bit to get it (in the expensive South). I…
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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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Here’s where the story ends…
And another way of life begins? Another old tune that’s been stuck in my head this week. No more ninety months for me, aiming for four years from now so forty eight months. I have rejigged my budget as food prices and prices in general have gone up. Hopefully giving myself a reasonable amount to spend will stop me…
