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Free by 60?
Not been around for a looooong time! I was a DFW a number of years ago and pleased to say I am debt free now apart from my mortgage! I would love to pay off as much as possible over the next 3.5 years so that at 60 I can take my NHS pension and pay what is left and semi retire. My mortgage currently stands at 144k on a…
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Mortgage free
I have been a lurker on here for years rather than a poster but as I can't tell anyone in real life I am going to shout it out where someone can hear me As of approx 30 mins ago we are mortgage free - made an online banking transfer equal to the amount outstanding this morning. My 2.79% fix ended last month and I don't…
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Making my house a home and my life my own
I am long overdue a new diary as I have just read the first line of my last one. I was married, in my previous house with a much larger mortgage. I hadn’t realised that this was still the same one. I will add all the financial bits and my plans over the coming days, but the title says it all really.
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Keeping our options open
Hi Everyone, I've debated setting up my own MFW diary for a while and I've finally decided to go for it (hopefully the children will stay asleep long enough for me to write my first post!). We took our £200k mortgage out nearly 5 years ago on a 25 year term so that it would be paid off by the time my husband turns 60 and…
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Mortgage Free in the slow lane
Hi all, I have been enjoying reading the diaries so much, I thought to start one for 2026. We are a family of two parents and our kid. We bought our forever home and now have a mortgage of 220,130, with 24 years left to go. We have offset 4500 in an investment account. Our financial goals are the following (in order of…
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My Mortgage Free Mountain - A 7 year expedition to climb to the top
OH and I are in a
position where we will be able to repay the mortgage on our own home either at
the end of this year or in Jan 2023 thanks to an insurance claim we have been
waiting to pay out for several months. However we also have 3
BTL mortgages which need to be cleared and our big dream is to clear them all
before my…
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julicorn's journey 3 - The House on the Hill
Hi all! Long time, no see, at least when it comes to the diaries (I still run the mortgage free challenges, of course). Where do I start? This is my third diary on here, the first talking about our initial mortgage pay off journey for Mr julicorn and my first flat (bought in 2017). If you have too much time on your hands,…
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BookWorm's MFW Chapter
:wave: I’ve been lurking around these parts for a good while now with occasional posts here and there. However, after reaching what I consider to be a milestone with my mortgage (will come back to that shortly), I felt the time was right to start my own diary. I figured if I don’t now, I may never do so! It was after…
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Follow the Yellow Brick Road 2023
New Year and new thread for 2023. I know what I need to do and where I need to go. Looked it up on the web and Follow the Yellow Brick Road means a course of action that a person takes believing that it will lead to good things. So here I go. More to follow on my journey to be mortgage free.
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Lumiona's MFW Diary
As a forum lurker, I'm not a threadstarter but I figured like many of you that a diary is a good accountability method. Ok so here goes: Backstory, we moved to our current house in 2006, bought for £178k mortgaged at £130k for 30yrs. Interest rates were high monthly payment about £750, went up to nearly £900 at one stage.…
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MF Just Shy of 40??
Hi. I am currently 37 (So is my partner). Always been financially savvy and earn very good money - Occupation - (Projects Engineer/Manager - O&G Pipelines). We live in our forever home and have two children, (Daughter 9.5y & Son 2y). Lived here since March 2014, over the years paid around £15,000 in overpayments. Our…
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One step at a time
2024 has been a big (and expensive) year. I got married! We also moved into our ‘forever home’. Weddings and moving house are so expensive, and I am now looking towards getting a hold on our finances in 2025. I have been on the MSE forum for years, and contributed to some threads particularly on the old style moneysaving…
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Mortgage free in Forever Home :-)
Hi All, This is partly for the benefit of @Cheery_Daff who has nudged me into posting. 😊 I’m in a bit of a pickle and I need to get on top of it
before it becomes any more serious. I am inherently a spendthrift, it’s always has been my way. In
my 20’s I ended up in a lot of debt relative to my income which I…
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Making fairy dust of the mortgage
Hi All. So 2019 is the year I can really start sorting the mortgage hence I've decided to start a diary for all the usual reasons. A bit about me, I am a single mum to a 8yr old DD, separated but looking to divorce this year as can get a no fault divorce from later on in the year and didn't fancy any mud-slinging that…
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The Long and Winding Road
This seems like an appropriate thread title given the very long path we have to walk to get even close to mortgage free, but we're certainly thinking about it and have been taking note of small milestones already. Hopefully this thread will see our walk turn into a canter. Except with one significant and self inflicted…
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Rolling Down the Green Hill Towards REtirement 😊🌄💚💜
Happy New Year!!! As our MFW journey finished back in July 2015(wow!) on our family home and Apr 202 on our BTL (because we sold it! :D ) I thought it was time for a new diary (seeing as some others are doing it, I thought I'd also jump on the bandwagon 😉 🚙) and the new year seems a good time to start. Back when I started…
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SLLM (Single Lady Large Mortgage)
Hello all SLLM - single ladies with large mortgages or single ladies who have previously had large mortgages or single laddies in the process of getting a large mortgage! So if you are a lady and own your own house then yes this is for you. Yes I could not resist it any longer. Ladies large mortgage is a loose term so if…
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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Hi there, today I reactivated my account with MSE. Hoping to get some motivation to pay off our mortgage a little quicker. Little bit of back story- So I had a diary in the debt free wannabe forum many years ago. I paid said debt off, saved up money to purchase a house :) and moved. Since then (2015) I have divorced, been…
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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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Quest for (mortgage) freedom
I'm a long-time reader of this forum, I find other peoples MFW diaries really interesting and inspiring. Now it's time to do a MFW diary of my own and hold myself to account. OH and I bought a house in February 2019. We've spent around a year making cosmetic improvements (lick of paint, new carpets etc) as well as some…
