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2010 MF Wannabes

edited 30 July 2011 at 5:54PM in Mortgage-Free Wannabe
1.6K replies 118.6K views
cake21cake21 Forumite
1K posts
edited 30 July 2011 at 5:54PM in Mortgage-Free Wannabe
Welcome to the thread for everyone started or continued their MFW journey in 2010. :hello:

This challenge has now closed, but please join us in the 2011 MFW thread or jump straight in and sign up here. :j

To see the fantastic success of the 2009 challenge which inspired this one, please see Zavarony's 2009 MFW thread that I have shamelessly plagiarised :T

Good luck to us all!


.....................................2010 OVERPAYMENT TARGET DECEMBER TOTAL YEAR TO DATE (spreadsheet version here)

1. cake21 - £16000 / £979 / £16700 Target reached December!! :j:j
2. cha97michelle - £5000 / £ / £3353.82
3. cookie 9 - £6000 / £ / £1600
4. someday soon - £10000 / £8552 / £18248.17 Original target reached August!! :j:j 2nd target reached December!! :j:j
5. wantabetterlife - £5000 / £1883 / £13161 Target reached May!! :j:j
6. pammyj74 - £3000 / £200 / £6288 Target reached July!! :j:j
7. Welshlassie - £4000 / £ / £
8. oscarbobbins - clear mortgage in 3 years / £ / £10214.06
9. pollys - £5000 / £50 / £6300 Target reached May!! :j:j
10. pigtails_21 - £3500 / £500 / £4650 Target reached October!! :j:j
11. gallygirl - £25000 / £5976 / £17009
12. violetblue - be mortgage-free! (£4000 OP) / £ / £4500 Target reached July!! :j:j MF Graduate!!!:beer:
13. chirpchirp - £13200 off mortgage, £9500 in savings / £ / £16930.06
14. SOandSO - £20000 / £500 / £13020
15. Lynn11 - £4100 / £770 / £6170 Target reached October!! :j:j
16. Little Chicken - £10000 / £ / £
17. wynnvegas - be mortgage-free! (£22440 OP) / £ / £21980.36 MF Graduate!!!:beer:
18. golfiematt - £6000 / £500 / £6500 Original target reached April!! :j:j 2nd target reached August!! :j:j
19. uzubairu - reduce mortgage to £65000 (£10000 OP) / £1400 / £12830 OP target reached October!! :j:j
20. Little Mama - £5000 / £370.88 / £5237.43 Target reached December!! :j:j
21. jackie_w - £5000 / £ / £
22. FlowerPower - £3000 / £300 / £2800
23. gratefulforhelp - £3000 / £48 / £1838
24. littlemrtinkle - £9000 / £ / £2625
25. Sleepy head - £10000 / £ / £6864
26. waughc01 - £13750 / £750 / £19000 Original target reached April!! :j:j 2nd target reached July!! :j:j
27. sammiell - £5000 / £ / £
28. Shineyhappy - £1500 / £ / £
29. financialbliss - £6000 / £500 / £6000 Original target reached June!! :j:j 2nd target reached December!! :j:j
30. black taxi - £7200 / £1216 / £9298 Target reached November!! :j:j
31. Thriftyknickers - reduce mortgage to £110000 / £1200 / £4300
32. jacqhale - £3500 / £ / £1400
33. elliemoo - £5988 / £ / £1098
34. jo_assisi - £1800 / £ / £85
35. Topaz7 - reduce mortgage by £30000 / £215 / £21515
36. agile83- £5000 / £ / £
37. ironman1 - £4000 / £149 / £4152 Target reached October!! :j:j
38. moneysavingotter - reduce mortgage to £133000 / £ / £
39. the three of us - £2500 / £ / £
40. ch1ca - will confirm / £ / £
41. Kerry Woman - £1500 / £100 / £2240 Target reached August!! :j:j
42. ajmoney - £1700 / £139.76 / £1692.12 Original target reached September!! :j:j
43. taka - £2000 / £ / £743.52
44. Ayeshalush - £7000 / £ / £4557.21
45. VickyA - £5000 / £ / £
46. haras_nosirrah - £5000 / £1000 / £5000 Target reached December!! :j:j
47. fluffiesmum - £6000 / £ / £
48. SmileyG - £2760 / £400 / £3750 Target reached October!! :j:j
49. claremylove - £1500 / £ / £500
50. julie_beth - £2400 / £ / £
«134567161

Replies

  • edited 7 January 2011 at 1:56AM
    cake21cake21 Forumite
    1K posts
    edited 7 January 2011 at 1:56AM
    51. Di-Dough - £2000 / £134.92 / £1576.59
    52. fluffysox - £10000 / £495 / £11000 Target reached August!! :j:j
    53. Malski - £10000 / £ / £37833.81 Target reached April!! :j:j
    54. Kerfuffle - £2010 / £ / £2451.85 Target reached July!! :j:j
    55. bee78 - £3000 / £ / £100
    56. narnie1 - £11000 / £1500 / £11000 Target reached December!! :j:j
    57. Creditcardkid - £14000 / £ / £7575
    58. pawlala - be mortgage free! (£20000 OP) / £ / £
    59. georgiebrown0 - £3000 / £ / £
    60. glitterball - £10000 / £639.28 / £11949.65 Original target reached May!! :j:j 2nd target reached September!! :j:j
    61. kazvinny - £1200 / £ / £400
    62. devon123 - £5000 / £ / £
    63. Lady1981 - £11000 / £9500 / £10500
    64. mark5 - £4000 / £ / £700
    65. Kazby - £10000 / £ / £13518.2 Target reached April!! :j:j
    66. puddle96 - £12000 / £350 / £9775.08
    67. SwitchyChick - £18000 / £ / £4855.31
    68. zavarony - £5000 / £ / £133.29
    69. LilacPixie - £1200 / £ / £1182.64
    70. sheslookinhot - be mortgage free! (£5000 OP) / £ / £4871 MF Graduate!!!:beer:
    71. hambocolin - £3600 / £ / £
    72. mambury - £1200 / £ / £
    73. Barny1979 - £20000 / £2846.58 / £22500 Original target reached May!! :j:j 2nd target reached June!! :j:j 3rd target reached December!! :j:j
    74. rsdiscos - £999.75 by 14/7/10 and £7220 by 31/12/11 / £ / £114.38
    75. pippitypop - £7777 / £ / £
    76. gdard - be mortgage-free! / £ / £
    77. clearmydebts - £2000 / £ / £
    78. nattypants - £3000 / £ / £
    79. wabbits - £12000 / £ / £5000
    80. DIYPhil - £5000 / £ / £1614
    81. abouttimetoo - £9600 / £ / £5800
    82. CrushedKitten72 - £700 / £ / £440
    83. jaywhoopee - £4000 / £345.47 / £4059.39 Original target reached November!! :j:j 2nd target reached December!! :j:j
    84. zebedy - £6000 / £ / £6000 Target reached July!! :j:j
    85. vandanfc - reduce mortgage to £77999 / £ / £887.05
    86. beniamino - £14400 / £ / £8588
    87. sassyblue - £5000 / £ / £1550
    88. skcollobcat - £16700 / £ / £1500 Original target reached June!! :j:j
    89. 02skn - £6000 / £ / £815.13
    90. kizzie01 - £4200 / £221.82 / £3308.84
    91. AvidSaver - £3300 / £250 / £3800 Original target reached July!! :j:j 2nd target reached October!! :j:j
    92. PhotoMania - £6000 / £ / £
    93. ekroys17 - £6000 / £1362 / £11075.93 Target reached August!! :j:j
    94. Mr Pickwick - Completely clear £27,666 mortgage (£23573 OP) / £ / £23573 MF Graduate!!!:beer:
    95. NoobySaver - Mortgage free Christmas 2012 (£23850 OP) / £600 / £23200 Original target reached February!! :j:j
    96. Needhelpsaving - £1500 / £11.04 / £1800 Original target reached March!! :j:j 2nd target reached May!! :j:j
    97. Moniker - be mortgage free! (£6000 OP) / £6502.97 / £12002.97 MF Graduate!!!:beer:
    98. Sunny Donny - £500 / £240.77 / £521.54 Target reached December!! :j:j
    99. wilsons - £1200 / £172 / £2103.15 Target reached July!! :j:j
    100. Indigo899 - reduce mortgage by £12000 / £10750 / £12000 Target reached December!! :j:j
  • edited 5 January 2011 at 10:39AM
    cake21cake21 Forumite
    1K posts
    edited 5 January 2011 at 10:39AM
    101. miss undastood - £7200 / £640.85 / £11246.81 Target reached April!! :j:j
    102. canne - A$13000 / A$76.65 / A$15318.34 Target reached October!! :j:j
    103. Gazella77 - £4000 / £ / £630
    104. utopiah - £5000 / £ / £1500
    105. prudence41 - £6000 / £6000 / £6000 Target reached December!! :j:j
    106. amberene - £5000 / £ / £50
    107. Gargola - £20000 / £ / £13150
    108. k2tog - £2500 / £ / £555.4
    109. elatan - £1500 / £ / £1025
    110. Lo-Lo - £5000 / £ / £2200
    111. Poppycat1 - £476.74 / £21.51 / £309.12
    112. poppyoscar - be mortgage free by January 2011! (£3000 OP) / £ / £9918.76 Target reached May!! :j:j MF Graduate!!!:beer:
    113. SalsaDanca - £8500 / £ / £6529.95 MF Graduate!!!:beer:
    114. Z1ppy - £40000 / £65000 / £91000
    115. wannasavemoney - reduce mortgage by £7948 to £80000 / £1643.77 / £4267.77
    116. EssexHebridean - bring MF forward one year to March 2020 / £ / £
    117. conorh - £500 / £ / £
    118. alli_baba2 - reduce mortgage by £9000 / £ / £2113.88
    119. fieldofdreams - Completely clear £22500 mortgage! / £400 / £12300 Original target reached June!! :j:j
    120. Spartacus_Mills - Completely clear £10800 mortgage! / £ / £40
    121. vwchris - £14500 / £800 / £12000
    122. NellieB - £3000 / £430 / £4530 Target reached September!! :j:j
    123. Mortgage-free-2010 - will confirm / £ / £
    124. rumncoke - £13600 / £13600 / £13600 Original target reached September!! :j:j 2nd target reached December!! :j:j
    125. jmf76 - reduce mortgage to below £100,000 (£1500 OP) / £ / £1022
    126. chelly78 - £1700 / £ / £1777.32 Target reached September!! :j:j
    127. moggyr - £3000 / £ / £4935.3 Target reached May!! :j:j
    128. froddington - £4000 / £180 / £4000 Original target reached September!! :j:j 2nd target reached December!! :j:j
    129. mustafa say ving - £5000 / £ / £
    130. azza2007 - £5000 / £1500 / £5000 Target reached December!! :j:j
    131. belfastgirl - £7500 / £2345 / £3870
    132. DisgruntledGoat - £4000 / £ / £450
    133. BARGAINHUNTER! - £4800 / £ / £1643.17
    134. nje24 - reduce mortgage to £98,000 / £ / £305
    135. tiredredhead - £4000 / £ / £1415
    136. pineapple_beach - £12000 / £ / £3618
    137. weegie-dfw - £5000 / £ / £30
    138. anthonini - £4500 / £500 / £5000 Target reached November!! :j:j
    139. curlygirl1971 - £2000 / £ / £2861 Target reached September!! :j:j
    140. crystaltips_68 - £2000 / £ / £1360
    141. Cazzdevil - £2010 / £ / £1253
    142. TurnaroundSue - £1400 / £ / £
    143. lfd706 - £7000 / £300 / £7100 Target reached December!! :j:j
    144. HarveyGal - £10000 / £1500 / £10555.2
    145. Mellyd - £600 / £ / £449
    146. Devils_own - £2000 / £ / £
    147. jenny_13 - £3500 / £ / £235
    148. Jesthar - £1800 / £ / £
    149. skaps - £700 / £160.11 / £1061.32 Target reached October!! :j:j
    150. mummyofonechild - mortgage-free by 2012! (£2000 OP) / £250 / £2250 2nd target reached November!! :j:j Original target reached August!! :j:j
  • edited 7 January 2011 at 1:58AM
    cake21cake21 Forumite
    1K posts
    edited 7 January 2011 at 1:58AM
    151. bnoc - £9000 / £ / £583.39
    152. manchester1980 - will confirm / £ / £10
    153. Sammy_Girl - £8000 / £ / £
    154. IHateDida - £4000 / £ / £2133.76
    155. Nidge - will confirm / £ / £500
    156. LittleMissKitty - £1200 / £ / £1680.35 Target reached September!! :j:j
    157. mindymoo1 - chip away at mortgage! / £ / £
    158. LittleBit - £1598.42 / £ / £66.11
    159. fruitdogs - £12000 / £1400 / £12136.68 Target reached December!! :j:j
    160. Bufger - as much as possible whilst still enjoying life! / £ / £
    161. DansMum - £2904 / £100 / £926.87
    162. tootallulah - £20000 / £ / £
    163. rach**** - £3000 / £ / £
    164. SimbaK2K - £2000 / £300 / £2000 Target reached December!! :j:j
    165. katiegizmo - £1500 / £663 / £3258 Target reached September!! :j:j
    166. hebawom - £6000 / £ / £100
    167. Baby steps - £1500 / £ / £500
    168. Leigh Anne 60 - £5000 / £4250 / £5200 Target reached December!! :j:j
    169. Janeh99 - £10000 / £ / £5900
    170. nicf1 - £3750 / £ / £
    171. albionsarah - £15000 / £ / £17050 Target reached April!! :j:j
    172. FirstTimeSaver - £1300 / £ / £661.33
    173. greent - £5000 / £571.13 / £6010.97 Target reached November!! :j:j
    174. craftingmad - £16000 / £ / £500
    175. atr1981 - £2100 / £ / £
    176. secretservice - £2000 / £ / £34.6
    177. Parnott - £6000 / £660 / £8310 2nd target reached October!! :j:jOriginal target reached July!! :j:j
    178. Lilium - £7500 / £ / £4050
    179. Healthier_Finances - £2000 / £ / £
    180. pencekeeper - £27300 / £ / £23446 MF Graduate!!!:beer:
    181. boysma - £1300 / £ / £200
    182. bobbybobby - £800 / £ / £300
    183. lighthousescotland - £1320 / £205 / £1467.95 Target reached November!! :j:j
    184. newgirly - £2113 / £274.52 / £2113.64
    185. hilly123 - £2000 / £ / £544
    186. Bettybug - £2000 / £ / £200
    187. katsu - £1800 / £ / £760
    188. Fibabe - £4000 / £ / £3100 Original target reached October!! :j:j
    189. Gefjun - £5000 / £ / £150
    190. delmar39 - £360.21 / £ / £360.21
    191. theonlywayisup - £24000 / £ / £20877.38
    192. ElusiveLucy - £6500 / £500 / £6564.3 Original target reached October!! :j:j 2nd target reached December!! :j:j
    193. clearing_out_my_pockets - £1000 / £ / £1079.27 Target reached November!! :j:j
    194. knithappens - £700 / £118 / £467.25
    195. wildfrog - £1000 / £38.31 / £1059.41 Target reached November!! :j:j
    196. mummytotwo - £475 / £ / £79.24
    197. mlz1413 - £2000 / £ / £1215.82
    198. misselvis - £1800 / £ / £575 Original target reached July!! :j:j
    199. Chazolate - £500 / £ / £100
    200. jennihen - £120 / £ / £
    201. TinyTink - £1000 / £ / £
    202. bigdebt22 - £20500 / £ / £
    203. Ferrety - £5000 / £ / £1000
    204. skintscotslass - £800 / £800 / £800 Target reached December!! :j:j
    205. blizeH - £3000 / £ / £4000 Target reached September!! :j:j
    206. emma_nottingham - £1500 / £ / £1336.96 Original target reached September!! :j:j
    207. ll33na - reduce mortgage to £60k / £ / £60
    208. spirit - MF before retirement! (£600 OP) / £ / £
    209. twiga - £34300 / £ / £16422
    210. limpy-jim - £2250 / £ / £1395
    211. bridgend girl - £1000 / £ / £100
    212. nessie10 - will confirm / £ / £99
    213. AnnaBeth - £1200 by March 2011 (£480 OP) / £2049.03 / £2529.03 Target reached November!! :j:j
    214. badman11 - £67000 to mortgage free / £ / £
    215. COOLTRIKERCHICK - £2000 / £ / £800


    TOTAL - £1,267,163 / £152,899 / £992,613
  • cha97michellecha97michelle Forumite
    5.8K posts
    Part of the Furniture
    ✭✭✭✭
    Thanks for starting a new challenge up. It must have been a lot of work for Zav this year so i admire anyone who offers to sort it out.

    I have just sent you a google docs message. I have set myself a target of £5000 for the year. I have done nearly £19k this year with a lot of effort. I can see the 5k being a huge challenge for me but i have signed up for almost that amount per year on the 3 year challenge, so might as well push myself.

    A good time to regain my focus as i am just starting to get my 'must treat everyone as it is nearly xmas' head on. :rolleyes:

    Michelle
  • cake21cake21 Forumite
    1K posts
    Thanks for starting a new challenge up. It must have been a lot of work for Zav this year so i admire anyone who offers to sort it out.

    I have just sent you a google docs message. I have set myself a target of £5000 for the year. I have done nearly £19k this year with a lot of effort. I can see the 5k being a huge challenge for me but i have signed up for almost that amount per year on the 3 year challenge, so might as well push myself.

    A good time to regain my focus as i am just starting to get my 'must treat everyone as it is nearly xmas' head on. :rolleyes:

    Michelle

    Welcome, you're number 2 - hurrah, I had the awful thought that no-one would join me :o:rotfl:

    £19k this year is amazing btw!!
  • cookie9cookie9 Forumite
    762 posts
    ✭✭✭
    Can I join too? Started late as only got mortgage in September so was aiming for £50 per month in 2009 but managed £500 in first month and on target for £200 this month. Still quite a few bits and pieces to get so setting a target of £3000 for 2010 with monthly OP of £200 topped up when I come into any extra funds.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • Hello
    New to this. Have been concentrating on clearing all other debts as per Martins excellent advice, and have been working really hard to overpay since April this year. Overpayments on 60,000 mortgage are currently £540 per month. I am waiting for the annual statement to arrive almost as much as Christmas! How sad am I?? I'd love to join your list for 2010.
    Completely Debt Free 2009:j

    Completely Mortgage Free 2013:j
  • cake21cake21 Forumite
    1K posts
    cookie9 wrote: »
    Can I join too? Started late as only got mortgage in September so was aiming for £50 per month in 2009 but managed £500 in first month and on target for £200 this month. Still quite a few bits and pieces to get so setting a target of £3000 for 2010 with monthly OP of £200 topped up when I come into any extra funds.
    Hello
    New to this. Have been concentrating on clearing all other debts as per Martins excellent advice, and have been working really hard to overpay since April this year. Overpayments on 60,000 mortgage are currently £540 per month. I am waiting for the annual statement to arrive almost as much as Christmas! How sad am I?? I'd love to join your list for 2010.

    Welcome both of you! I've added you to the first post :beer:

    cookie9 - that's a fantastic start to overpaying!

    someday soon - I love getting my annual statement too :rotfl:I've put your target down as £540 x 12 = £6480 for now, please let me know anytime if you want to change it.
  • gallygirlgallygirl Forumite
    17.2K posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Hung up my suit!
    ✭✭✭✭✭
    Not another mortgage challenge......... oh all right then :)

    But can I be really cheeky & ask for number 11 as that's my MFiT take 2 number & it would make my life easier :) I'm not very good with numbers :rotfl:

    Now, what should my challenge be :think: My MFiT challenge is £68432, so 1/3 of that is £22810.67. But, I will be paying slightly more in interest in the 1st year so maybe I should reflect that & make it a little lower :confused:. But that's assuming mortgage rates stay the same over the 3 years, so maybe I should make it a bit higher to try to get ahead? But I have also factored in a small savings payout in Yr 2, so I could knock that off :think:. Have I allowed enough for BTL bills :eek:? And how much should I expect to get from mystery shopping :confused:? Will I ever get a pay rise again :rolleyes:?

    After all those deliberations I have come up with the precise figure of £25,000. Ish :o

    My diary is HERE if anyone has insomnia ;)

    Thanks for taking this on Cake :T
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • I'm in. Could I please be number 7 (like Gallygirl to match MFiT-T2). I think I'd like to set my target at £4,000 for the year. Very stretching, but as we have just remortgaged and I'm not sure what can afford yet as a need a clear month to sort through everything.
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