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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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Apple muncher's number crunching
Time for me to start a diary :j. I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a…
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This is it! 2027 is the goal...update
Hello I have been lurking around these boards for the past year, I have finally made the decision to start a diary to track the progress of my goal. I'm hoping that it will hold me accountable and perhaps inspire others along the way. As of May 2019 my mortgage balance was £118, 842 4 years into a 10 year fix over a 20…
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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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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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Saving, Living, and Ditching the Mortgage
Hey everyone! Long time lurker. At my lowest I was here reading the SLLM posts hoping one day I will have my own mortgage and staying strong letting money sit and grow. These days I have my own mortgage on a lovely flat in a lovely city, almost half way through my 5yr fix now. Want to tackle the mortgage but hardly have…
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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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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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Mortgage free in 4 years
Hi All, I have been reading these diaries for a while, I never really post anything, but it helps keep me to my journey as nobody in real life seems to be on the same path. When I tell people I am overpaying my mortgage they ask why? lol I took this mortgage in 2016 (£310k) and the interest just got lower and lower over…
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It won't happen overnight. But if I do nothing it won't happen at all. (MFW diary 5761)
Hello, I've been registered on the forum a while and posted a bit, but have struggled to keep up with it. However, I've joined the MFW 25 challenge and maybe starting a diary will help keep me accountable so here goes: Situation My mortgage is currently £114, 762 and I pay £531.50 a month. I am a solo homeowner working 40…
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Trying to pay off my mortgage early but facing a dilemma
Hi all, I need to make a decision and would like to share some thoughts about my current situation and see your feedback please. Wife and I signed up for a 35years joint mortgage 5 years ago and like many we would like to be mortgage free well before that date. We are with HSBC and we have a 10 % overpayment allowance per…
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How do I prove the house is mine?
Apologies to everyone reading this if it comes across as a stupid question….. I paid off my mortgage in January 2025. All I have to "prove" this is a letter from HSBC saying that they'd received my last ever payment. Hooray!! 🎉🎉 A year on though, that's all I have. That letter. And all that basically says is, i've paid the…
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Shaving off the years at Sleepy Hollow
Finally after YEARS of talking about moving DH and I have done the big move. We've significantly increased our mortgage and started off on a 34 year term to give us some breathing space for a larger mortgage payment. We're aiming to reduce our term to 20 by making regular overpayments. Interested to read along and see what…
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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…
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Climbing the Mortgage Mountain step by step
Hi All I've returned to MSE after several years away, I was previously here under a different user name. I have previously been mortgage free twice in my life and both times, just as things should have gotten easier, life threw me a curve ball! This most recent time my marriage suddenly imploded and so, at the grand old…
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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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Mortgage free mayhem
Hi everyone! Really excited to track my mortgage-free journey at 52. Before becoming a uni lecturer this year, I've worked in charities my whole life. I've got a pension of £60K, an easy-access savings pot of £3000, and a mortgage of £84206. I want to see how quickly I can pay off the mortgage with my new higher income.…
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Mortgage-Free Musings: mindful money & FIRE focus
Time to start a new diary and try to post more to keep myself accountable! The numbers: Current mortgage: £279,586.61 on 1.74% fixed for another 6 years. Little to be gained by OPing so my focus is on savings and WIOTW (what I owe the world) and ATMN (amount to mortgage neutral). £55k stoozed, £78k in cash savings. ATMN…
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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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There and back again...reducing the mortgage to manifest our forever home
Have been a long time lurker on MSE, and DP and I bought our first house together in March 2025 with a mortgage of £190,000. Had many plans for overpaying, what we wanted to get done however life has had other ideas so starting a diary for the first time to try and help me keep on track. We did manage to OP £3500 in 2025,…
