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2009 MF Wannabe's

edited 10 January 2010 at 2:39PM in Mortgage-Free Wannabe
1.6K replies 100.5K views
zavaronyzavarony Forumite
419 posts
edited 10 January 2010 at 2:39PM in Mortgage-Free Wannabe
Welcome to the thread for everyone starting or continuing their MFW journey in 2009. :hello:

Many of us will want to continue the hard work that we have put in to overpaying our mortgages in 2008, and there will be those who want to start on their MFW journey - for all of us this is the place to be. :j

Please feel free to join our journey at any time and send a PM to me to be added to the list with your overpayment target for 2009 and then on a monthly basis your overpayment for the month and a year to date figure - oh and it would be really useful if you told me your MFW 2009 number too - save me going googly eyed looking for you!!

There is no cut off point for joining the thread and the challenge (except the 31st December:rotfl: ) so if at any point this year you are ready to start working on becoming mortgage free please join us!

I have re-enrolled all of us 2008 MFW's so if you no longer wish to be part of the gang let me know (no offense will be taken - honestly)

Good luck to us all!


.....................................2009 OVERPAYMENT TARGET MONTH TOTAL YEAR TO DATE
1. Nikki_S - £2500 / £ / £1000
2. Poppyoscar -£2000 / £/ £2004.39 - :j Target Acheived in August :j
3. SPL - £5000/ £ /£972.65
4. Elantan - £2000/ £ /£2250
5. Newmoneysaver - £2000
6. Lumpy Custard -
7. Wheelies -
8. Daft Pegasus - £6000 / £ / £10295 target blown away :rotfl:
9. Ms Cat -
10 MF2015 -
11. Hummingbird - £1000
12. TEENY -
13. Bellsbells - £400/ £ /£90
14. Atypicalblonde - £6000
15. Frugalfreda -
16. Di-Dough - £2009/ £/£779.26
17. CountingPenniesClaire - £22200 / £ / £17000
18. Violet Blue - £8000 / £8000 /£10105- 1st target reached July :j :j :j :j
19. Belfastgirl23 - £3000/ £1530 / £4070 woweeeee - target smashed :j:j:j
20. LouiseJ - £6480/ £650 /£5714
21. Thriftyget -
22. Jay1 -
23. Squiggly Diddly -
24. Kazzieg -
25. Zavarony - £1000 (from July)/ £ /£140
26. Stripey Cheese Skirt -
27. SALTY69 -
28. Emma_Nottingham - Reduce mortgage to £65,500 & OP £4500 extra/ £ / £5301.92
29. Macka0 -
30. Kezza12 -£3200/ £ / £820
31. Lifebegins -£10,000 / £ / £2200
32. Shopgirl2512 - £1000
33. Chrisbee -
34. Sheslookinhot -£6800/ £565 /£6850 - Target Exceeded :j:j:j
35. Intheblackfinally -
36. DrGUID -
37. Lauren565 -
38. Cazzdevil - £700 / £/ £130
39. Twinklie - £4000 / £ /
40. Alion - £10000 / £750 / £14750 - 1st Target Acheived August :j
41. Aliportico -
42. Steveswift -
43. Tootallulah - £5000/ £ /£176.60
44. Angel81uk -
45. Howskint? - £7400
46. Freaky-di -
47. Broomstick27 -
48. Gazella77 - £3000/ £ /£7835
49. Alli_baba2 - £6000
50. Loomacdon -
51. Bargainhunter - £3000/ £ /£2830.39
52. I,m Sad -
53. Clockwatcher -
54. Maximumtime -
55. Hawksmuir - £1000
56. Courgette - OP by max 10% / £ / £1370
57. Sofasurfer -
58. Teasel26 -
59. 49clare -
60. ShakyStoozer -
61. ShreksBodyDouble - £700
62. IDN101 -
63. Sosh - £10,000/ £/£20000
64. Oggieinglos -
65. Steve-o -
66. Daisydog -
67. Skint2008 -
68. Mischiefmaker -£1000 / £ / £150
69. Courgette -
70. Gillybean -
71. Birdstill -
72. Bigadd -
73. Bubblette -
74. Gustavlebon -
75. Pollys - Balance under 25K - TARGET REACHED SEPTEMBER :j:j:j:D:D:D:D
76. Savvymummy - £600/ £ /£250
77. Overthetop - £6000/ £143 / £4000
78. Snaggles -
79. Oompahloompah -
80. Dingling68 -
81. Abouttimetoo - £7000/ £557.71/£5470.26
82. Sreppaw -
83. Aliwal - £2000
84. Zebedy - £7000/ £ / £6720
85. Mustafa Say Ving -£5000/ £ /£1879
86. Mrs Binsky -
87. Mitchg -
88. Shawtj2 -
89. Bedhair - £2000
90. Redmadcurls -
91. Moneysavingwannabe - £1500/ £ /£88.96
92. Ilovecookies -
93. Warrior Princess -Reduce Mortgage to 145,000 , offset - 55,000 / £ / £7000
94. Fuzzipeg -
95. Shirlgirl - mortgage free in 2009/ £ /£1011.90
96. SuiDreams -
97. Welshlassie - £2500/ £ /£13400
98. *Jobags* - £2700
99. Laurar3 -
100. Cookie334 -
101. Petscomer176 -
102. Hels50 -
103. Vespa Rider -
104. Fluffysox - £6000/ £228.16 /£11200 target reached and passed :j:j:j:j
105. AJ1982 -
106. Noodles42 - £4000/ £ /£1790
107. Gifford -
108. Sportyjd -
109. Tro127 - £1200
110. TurnaroundSue - £1500 / £475 /£1575
111. LindsayO -
112. Floxxie - Reduce mortgage to £65.5k by end 2009/ £ / £9384.75
113. Lilmil -
114. Sunny Donny -£250/ £80 /£361
115. Ferguwat - £500/ £ /£820
116. Nic283 -
117. Want2beMF -
118. Shineyhappy -£ / £ / £100
119. Herewegoagain -OP by £6000, save £3,500 / £ / £9382.69
120. Llydaw - £6000/ £801 / £4951
121. SnaxO -
122. PsychoPrincess -
123. Zekepes -
124. Newbird -
125. Lunar Eclipse -£12,000
126. 2latenow - Re/Overpayments of at least £10k/ £ /£3444.95
127. Gladriel - £600
128. Optimisticpair -
129. Nellis10 -
130. Moominyak - £1000
131. Bernlyn -
132. Lilac Pixie - £1500
133. Moniker - £6000/ £ / £6000
134. Polesana -
135. Little Orange -
136. Montillababe -
137. Leokiss -
137. LA83 -
138. Fivefifty -
139. Topov -
140. Debjk -
141. Sky-blue pink - £2220/ £ /£925
142. Julie - £4000
143. I, Brian -
144. Jexybird - £20k / £ / £8834.81
145. Lizziebell*80 -
146. Samantha1985 -
147. Earthgirl -
148. Gaz2202 -
149. J4m35 - £6000 / / £1858
150. Maslowe - £1200
151. Kevjarvisuni -
152. Kazzys51 -
153. Longway2go -
154. Cake21 - £7311 / £ / £7311 - :j target acheived in September :j
155. Frazzmunch - £2600/ £ /£718
156. TraceyJ -
157. Uzubairu - Reduce mortgage to £84K/ £ /£10709.99 - :j target acheived in August :j
158. Waves117 - £6000/ £ / £11339 - :j Target Acheived in August :j MORTGAGE FREE 1.12.09 :j :j :j :j
159. Nuzzie -
160. Lister -
161. Licapica -
162. Ema_O - £3000
163. Mortgageslayer - Reduce Mortgage to £100k
164. Trudypretty -
165. AuntieH - £1000 / £ /£541.84
166. Davies0121 - £6000/ £ /£4500
167. TOPAZ7 - Reduce Mortgage to £150k/ £1469 /£20901 - Target exceeded!!!! :rotfl:
168. Switchychick - £24,000/ £/ £17345
169. Financialbliss - £3800/ £256.97 /£2782.14
170. Tiredredhead - £10,000
171. Keld - £3300 / £ / £254.91
172. Elliemoo - £1200/ £499 / £2199
173. Treacle Toes - £3720/ £ / £2795.53 - Original Target smashed :j:j:j
174. Clareb27 - £16800
175. Kiwigirl - £1200
MFW 2010 Challenge (No 68) - £133.29/ £5000
MFITT2 Challenge - (No 181) - Target Reduce mortgage to £130,000
Mortgage @ 1.8.09 - £161160 :eek: @1.12.09 - £159052 :eek: @ 1.2.10 £157,363
«134567160

Replies

  • edited 10 January 2010 at 2:48PM
    zavaronyzavarony Forumite
    419 posts
    edited 10 January 2010 at 2:48PM
    176. Wabbits - £6000/ £1000 /£11,000 :j Target acheived!!!! :j
    177. FrankieM - Reduce mortgage to £153k
    178. Madwife28 - £6000/ £ / £2000
    179. rinkydinkpanther - £30,000/ £ /£23000
    180. Gallygirl - reduce mortgage by £15k/ £ / £15814
    181. Gillian46 - £4000/ £ /£3605 - Target Achieved August :j
    182. Phizzimum - reduce mortgage to £82k/£under £66000 :j:j:j:j:j
    183. PM2326 - £960/ £ / £240
    184. Bumpybecky - Reduce mortgage to 80k
    185. MrsMcK -£15,000 / / £8500
    186. Applescrumper - £18,000
    187. Zed42 - £6000 / £455.44 / £455.44
    188. ShelleyC - £35000 / £ / £34500
    189. EssexHebridean - OP by 25%
    190. A-MS - £12716 - TARGET ACHIEVED - MORTGAGE FREE GRADUATE :j:j:j
    191. iKennett - Start making OP's in 2009
    192. Frugal Moose - £6000 / £ / £4831
    193. cheeryoleary - Clear £24k Mortgage by 7/10/09/ Current Balance £ / 0 WOW!!! :beer:
    194. Benson - £6000
    195. Llydaw - £5000
    196. Keep it Simple - £5400
    197. earthgirl - £12,000
    198. DebtfreeDreamer - £3000
    199. MrBlackCat - £3500/ £ /£3800 - Target acheived September :D:D:D:D:D :wave:
    200. Aaargh - £3500/ £ / £2283
    201. MattyNeth - Reduce Mortgage to £100k / current mortgage £105543
    202. Biffyb - £4200 / £ / £200
    203. SmileyG - £3000/ £ /£2500
    204. Newty428 - £6000/ £ /£5000
    205. eco farmer - £12,000
    206. oojakapipi - £1200/ £ /£120
    207. thrifty2009 - £10,000
    208. jackie_w - £3000 / £ / £130,000
    209. kazvinney - £1000/ £ / £880
    210. kizzie01 - £1800/ £221.82 / £2368.64 - Target Achieved :j:j:j:j
    211. mountainlioness - £4000
    212. talana - £6000 / £1400 / £6550
    213. Westondave - £2400/ £ /£565
    214. jollybabe - £1050/ £ / £200
    215. Lynn11 - £3600/ £265 /£4135
    216. Longway2go - Reduce mortgage by £10k/ £ /£386.24
    217. jackiegibbo - £3900/ £ /£2515
    218. AvidSaver - £6000/ £400 /£8885 - target smashed :j:j:j:j
    219. Dial8d - Reduce Mortgage to £142k / paid £ / mortgage outstanding £152,500
    220. Shell1000 - £1500/ £ /£300
    221. Chasingbutterflies - £3000
    222. vwchris - Reduce mortgage to £148k/ / £balance now £144k :j:j:j:j
    223. l.m.hart - £1000/ £ / £1103
    224. CraftyDeb - £1000
    225. want2bmortgage3 - £1200 / £ / £700
    226. happilass - Reduce mortgage by £10,800 / £706 / £8686
    227. SHOULDI - Reduce mortgage by £21,240 - acheived September - WELL DONE :wave:
    228. Rosietiger - £12,000/ £ /£19691.87 :j Target Smashed!!!! :j
    229.waughc01 - £5000/ £ / £5330
    230. jay dee - £6000 / £ / £2000
    231. rumncoke - £19,200/ £ /£20277
    232. thriftyscotslass - £2000 / £ / £120
    233. Numenor - £3000/ £ /£2450
    234. Helga14 - £4000 / £ / £3600
    235. missthrifty - £1000/ £ / £320
    236. Yorkshirelass - £520
    237. Gaggyball - £1200
    238. mothershipton - £6000/ £ /£2000
    239. glitterball - £3500/ £ / £4385.08 Target acheived in September :D:D:D:D
    240. kittykat - £20,000
    241. Little Mama - £6000/ £327.22 /£7417.63.63 - :j:j Target Acheived in August
    242. Prudence41 - £6000/ £ / £6000
    243. Thriftyknickers - £6000/ £750 /£6832.47
    244. savlad - £30,000/ £ /£23534
    245. john_mac83 - £8000
    246. savingfortravel - £41,524
    247. Sammygirl - £2000
    248. ice fairy - £1320
    249. RoxieW - £14,000
    250. Mmox_2000 - £1200
    251. Chunters_a_lot - £1200/ £ / £1200
    252. Grumpy_Git - £8000 / £ / 2109
    253. Jesthar - £1800
    254. Noobysaver - £9000 / £553 / £12000 - Target met and exceeded - November 2009 :D:D:D:D
    255. Mr Pickwick - £16,000/ £2120.84 / £20230.05- Fantastic.... Target Smashed :j
    256. nattypants - £1100 / / £1400
    257. yogismum - £4800/£ /£350
    258. Gill5blue - £6308.27 / £ / £675
    259. Maureen100 - £7000
    260. elisamoose - £3600
    261. meganick - £1200/ £ /£100
    262. alibell2003 -£3000/ £ /169.25
    263. Little Miss Saver - £1000/ £ /£550
    264. ameldridge - £3,600/ £ /£0.00
    265. ScorpioSphinx -£4000
    266. Katie_p - £6000/ £ /£487
    267. crazy_lady2009 - £3180/ £ /£200
    268. loue79 - £2000
    269. katiegizmo - £1500/ £ / £40
    270. wannasavemoney - £10,000/ £ / £5128.88
    271. blueberrypie - £6000/ £ /£12000
    272. budget_budd - £600 / £ / £600
    273. LA83 - £2500
    274. Wildfrog - £1000/ £ /£842
    275. MFDream - £15180/ £ / £3525
    MFW 2010 Challenge (No 68) - £133.29/ £5000
    MFITT2 Challenge - (No 181) - Target Reduce mortgage to £130,000
    Mortgage @ 1.8.09 - £161160 :eek: @1.12.09 - £159052 :eek: @ 1.2.10 £157,363
  • kezza12kezza12 Forumite
    130 posts
    A big thank you zaverony for continuing on bells's good work and it's lovely to see the new thread. i think i'm gonna stick with my original 2008 target of £3000 as we started off very strong at the beginning of the year but then money got tight towards the end so i don't want to up my target and then miss it by a mile! this will consist again of a £200 standing order that will not change and then anything more that we can collect through out the year through our mortgage pig quidco and clickbank, zav i'll email you closer to £2009 with my final figures. :beer: lets go guys during this time of rising prices and credit crunching let's see just how much we can save next year on our mortgage interest!
    I am now debt free! Whoop whoop! :money::beer:
  • uzubairuuzubairu Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Combo Breaker Home Insurance Hacker!
    ✭✭✭
    Hi Zav,

    Thanks for taking charge. :beer:

    My plans for 2009 are to take mortgage below £90,000, as it will be approximately £98,000 at the start of 2009.

    My plan is to overpay £7500 in 2009.
    Aiming to overpay £625 monthly by standing order and Regular Saver (8% Fixed 12 months) account (£500/£125).

    Once bitten by the MFW bug, there is no going back.
  • edited 10 January 2010 at 2:50PM
    zavaronyzavarony Forumite
    419 posts
    edited 10 January 2010 at 2:50PM
    276. AuntieH - £1000//
    277. ch1ca - £7000/ £ / £6944.25- :j Target Acheived May :j
    278. skint_chick - £10k/ £ /£5000
    279. tutti - £5200 / £ / £4920
    280. Sleepyhead - £8000 / £/ £10208- :j Target acheived August :j
    281. tammy20 -£12,500 / £ / £10250
    282. gratefulforhelp - £5000 / £ / £4250 - 1st Target smashed August :j
    283. JayZed - £6700 / £ / £1000
    284. Russppt - reduce mortgage to £159k / £ / £
    285. Emsky123 - £1000 /£/£400
    286. Cheapoman - £2500 / £ / £2124.74
    287. Littlemisskitty - £600 / /
    288. cha97michelle - £20000 / £141.44 / £19091.71:j Target smashed in September :j
    289. Louba - £7992 / £/ £4454
    290. wantabetterlife - £1000 / £ / £8750
    291. cira9teen7te - £1200 / £ /£90
    292. seroxat_chick - £1500 / £ / £1750
    293. deaks - £12000/ £ / £2615
    294. Mfwin2019 - £1000 / /
    295. 1trainer1 - £10000 / £ / £2000
    296. whathavewedone - £6000 / /
    297. Tesco points addict - £10k / £ / £17750
    298. lovinsavin - £3000 / £ / £200
    299. slopalongplacidly - £ / /
    300. kjsam - £3000 /£ / £761
    301. unionjack81 - £5000 / £ / £1469.55
    302. lil'H - £2000 / /
    303. ocemeer - £16400 / £ / £9000
    304. pammyl74 - £ 2000 / £400 /£3500 target acheived :j:j:j
    305. kevjarvisuni - £ / /
    306. Nessa56 - £1000 / /
    307. Ironman1 - £2500 / £425 /£2910 target achieved in October :j:J:j:j
    308. Chirpchirp - £5000 / £ / £5054.30
    309. Barny1979 - £6000 / £ / £2045.91
    310. ajmoney - £1000 / £ / £1000 1st Target reached in October :j:j:j:j
    311. do it today - £3500 / /
    312. jacqhale - £13000 / / £13100
    313. mustang1 -
    314. Cuteybabe8 -
    315. Thriftbabe Jules - £2000 / £/ £1040
    316. SusanneCape - Target: 160,000 / icon14.gif / Bal Sept 164,312.06
    317. black taxi - £800 / £ /
    318. pawlala - £58915 / £ / £52400
    319. Cookie9 - £500 /£ / £2000
    320. Jess444 -
    321. Hurdler -


    TOTAL OP'D YTD - £114163 / £1,051,058
    MFW 2010 Challenge (No 68) - £133.29/ £5000
    MFITT2 Challenge - (No 181) - Target Reduce mortgage to £130,000
    Mortgage @ 1.8.09 - £161160 :eek: @1.12.09 - £159052 :eek: @ 1.2.10 £157,363
  • Hi Zav,

    I have been lurking for a few years - and would love to join in

    Current Mortgage - 172,000
    Target for End of 2008
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Hi Zav,

    I have been lurking for a few years - and would love to join in

    Current Mortgage - 172,000
    Target for End of 2008 - 170,000
    Target for End of 2009 - 150,000

    I know it sounds like a lot to do in one year but a good part of this will hopefully come from selling some shares towards the end of next year.

    And this forum will also help me to keep my focus

    Thanks
    Topaz
  • Hi Topaz,
    WELCOME to the thread - I have added you to the first post along with your target - GOOD LUCK on your MFW journey
    ZAV
    MFW 2010 Challenge (No 68) - £133.29/ £5000
    MFITT2 Challenge - (No 181) - Target Reduce mortgage to £130,000
    Mortgage @ 1.8.09 - £161160 :eek: @1.12.09 - £159052 :eek: @ 1.2.10 £157,363
  • Hi all, great to see a nice shiny new thread.
    I'm in for the new year, not sure where to pitch my target next year, I started last year with £10pm and finished it with a target of £1008 so think I might give myself a target of £1,200 for the year, therefore averaging £100 per month. Achiveable some months but not all months, so in theory able to stretch us, but not so far we are miles off at the end of the year. Also as I will have to pay early repayment fees for all individual OPs over £100, anything more than that will go into a savings account for the end of the fixed period in 2013.

    Looking forward to keep track of how we all do.
  • Oh, a shiny new thread!

    Zav, please put me down for £2000 for 2009.
  • Hi Zav
    Please add me to the list. Am very new to MFW so don't know yet what my goal for 2009 should be. Overall it is to clear £200k in 100 months so could do an average of that which would give £24k target.
    Thanks!
    Mortgage #1 Oct 2008: £130,000
    Mortgage #2 Jun 2010: £60,000
    Both completely offset: 22/12/2011
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