2011 mfw

cake21

click here for easy updates click here to see how we're all doing

Welcome to the thread for everyone starting or continuing their MFW journey in 2011. :hello:

Hopefully many of us will want to continue the hard work that we have put in to overpaying our mortgages in 2010, 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 - you can either:

1. Complete the online form (please note it's not automatic, I update the spreadsheet when I get around to it ); or
   
2. send me a private message (PM); or
   
3. reply to the thread (please give me a shout if it seems I've missed your post)
   

to be added to the list with your overpayment target for 2011 and then on a monthly basis your overpayment for the month and a year to date figure - including your MFW 2011 number please


There is no cut off point for joining the thread and the challenge (except the 31st December 2011 :rotfl: ) so if at any point this year you are ready to start working on becoming mortgage free please join us! Any overpayment (OP) target welcome no matter how small:money:Also, if you have a diary on MSE it can be linked to the first posts if you want, just let me have the link.

To see our previous successes, please see the 2010 MFW challenge and Zavarony's 2009 MFW thread that I shamelessly plagiarised :T

Good luck to us all!

cake21

No announcements at this present time. Could everyone please pat themselves on the back for deciding to save mortgage interest this year :beer:

cake21

.....................................2011 OVERPAYMENT TARGET AUGUST TOTAL YEAR TO DATE (spreadsheet version here)

1. cake21 - £12000 / £ / £7059
2. cha97michelle - £5000 / £37 / £4931 Target reached September! :j:j
3. cookie 9 - £6000 / £ / £
4. someday soon - £10000 / £ / £8144
5. wantabetterlife - £2000 / £ / £805
6. pammyj74 - £5000 / £500 / £6200 Target reached July! :j:j
7. CathT - £2500 / £388 / £2468 Target reached September! :j:j
8. sheslookinhot - reduce mortgage to £6000 / £500 / £4000 Original target reached May! :j:j 2nd target reached August! :j:j
9. pollys - reduce mortgage to £9999 / £250 / £1600 Target reached August! :j:j
10. pigtails_21 - £4000 / £500 / £3000
11. gallygirl - £25000 / £ / £5926
12. BeauBelle - £1000 / £ / £450
13. Chunters_a_lot - £1200 / £100 / £800
14. SOandSO - £20000 / £ / £4050
15. Lynn11 - £6000 / £ / £3240
16. ally18 - reduce mortgage to £14000 / £ / £
17. galadriel - £1000 / £ / £1000 Target reached July! :j:j
18. golfiematt - £6000 / £ / £2500
19. uzubairu - reduce mortgage to £46000 (£14000 OP) / £1600 / £15700 Original target reached June! :j:j 2nd target reached October :j:j
20. Little Mama - £5000 / £ / £2408
21. turbo5019 - £6000 / £ / £409
22. FlowerPower - £3000 / £ / £
23. gratefulforhelp - £3000 / £ / £24288 Target reached July! :j:j
24. LouLoubella - £5000 / £ / £
25. newbaby - £12150 / £ / £12150 Target reached April! :j:j
26. waughc01 - £15000 / £750 / £24000 Target reached July! :j:j
27. XSpender - £3000 / £ / £123
28. museumworker - £19000 / £ / £2500
29. financialbliss - £2050 / £200 / £1262
30. black taxi - £8400 / £149 / £4486
31. Perkipsie - £10000 / £ / £1240
32. rlc22 - £10000 / £ / £995
33. fillyfop - £6000 / £ / £2785
34. RTNI - £11000 / £ / £7000
35. Topaz7 - reduce mortgage by £30000 / £ / £
36. *Jellie* - £32000 / £ / £
37. ironman1 - £1000 / £ / £1843 Target reached March! :j:j
38. sarahevie - £5000 / £ / £6053 Target reached June! :j:j
39. Anorthernsoul - £10000 / £ / £622
40. Spiggle - £5700 / £683 / £5287 Target reached October! :j:j
41. Kerry Woman - £1500 / £100 / £1220 Target reached October! :j:j
42. ajmoney - £1700 / £140 / £1419
43. rigsby1967 - £1500 / £ / £367
44. grn.w.nv - £1200 / £ / £400
45. JuJu - £6000 / £ / £
46. haras_nosirrah - £8000 / £ / £3000
47. SeriouslySeekingtoSave - £12000 / £ / £11032
48. SmileyG - £1200 / £50 / £1100 Target reached September! :j:j
49. claremylove - £1500 / £ / £100
50. tina01904 - £17000 / £29 / £4529
51. Di-Dough - £2000 / £ / £1094
52. fluffysox - £1200 / £490 / £2905 Target reached June! :j:j
53. Malski - £10000 / £ / £1695
54. Debims - £11000 / £ / £350
55. lincoln-potter - £19500 / £ / £9800 Original target reached April! :j:j
56. narnie1 - £11000 / £ / £8224
57. back to the sea again - reduce term by 4 years 2 months / £ / £2000
58. Tesco Tom - Reduce mortgage to £70k / £ / £500
59. RenovationMan - £27000 / £ / £
60. glitterball - £7500 / £ / £4132

cake21

61. kazvinny - £10805 / £146 / £1761
62. saver-j - £5988 / £499 / £3992
63. Lady1981 - £27000 / £ / £17225
64. MRS CRAZYLADY - £600 / £ / £100
65. UnionGirl - £15600 / £83 / £500
66. puddle96 - £8000 / £828 / £5654 Target reached September! :j:j
67. BAGirl - £6000 / £ / £
68. de1amo - £9000 / £ / £
69. LilacPixie - £3000 / £ / £490
70. Giraff - £3000 / £175 / £1235
71. Chocolate*fish - Reduce mortgage by £18k to £199750 / £ / £
72. oasisfeverish - £1200 / £ / £308
73. Barny1979 - £20000 / £3555 / £7954
74. Onecoincloser - £8000 / £ / £
75. Ansoff - £1200 / £ / £200
76. coldstreamalways - £11940 / £995 / £7065
77. Tiniker - £1500 / £ / £500
78. Froggy-G - £10000 / £100 / £6035
79. flyingmamma - £1000 / £ / £81
80. DIYPhil - £5000 / £ / £
81. conorh - be mortgage free! / £ / £
82. Kazby - £15000 / £ / £
83. jaywhoopee - £5000 / £890 / £3521
84. kimbo26 - £2200 / £445 / £1030 Target reached November! :j:j
85. shazd - £1000 / £ / £200
86. jo101 - £5500 / £ / £4156
87. sassyblue - £5000 / £ / £1400
88. Sophi - £16000 / £ / £3500
89. MFW - £3200 / £ / £300
90. kizzie01 - £4200 / £ / £665
91. AvidSaver - £3000 / £260 / £2964 Original target reached March! :j:j 2nd target reached September! :j:j
92. Monkeybrain - £6700 / £ / £800
93. ekroys17 - £6000 / £477 / £4467
94. lippy1923 - £1500 / £100 / £1300
95. Dragonrider - £1200 / £ / £537
96. Needhelpsaving - £1000 / £ / £357 Target reached November! :j:j
97. Caroline73 - £4000 / £22 / £3439
98. goobergirl - £1000 / £2000 / £6181
99. wilsons - £2000 / £ / £1032
100. Indigo899 - reduce offset by £18000 / £ / £
101. miss undastood - £4000 / £ / £
102. canne - A$15000 / A$2314 / A$13031 Target reached October! :j:j
103. my definition - £800 / £ / £
104. MsWow - £3200 / £800 / £2900 Original target reached September! :j:j
105. prudence41 - £6000 / £ / £
106. kkgree1 - payoff mortgage in 5 years / £ / £640
107. miss_corerupted - repay £10000 capital / £ / £3379
108. kw77 - £881 / £540 / £621 Target reached September! :j:j

109. ButterflyBee - reduce mortgage to £189790 / £ / £830
110. jojohns - repay £88000 in 3 years / £750 / £5200
111. Poppycat1 - £6000 / £1480 / £3751
112. evi3000 - £55000 / £8000 / £44704
113. drewwa - £20000 / £ / £14672 Target reached October! :j:j

114. rockabelle - £6000 / £ / £
115. wannasavemoney - reduce mortgage to £73680.23 (£10k OP) / £ / £
116. mikew1971 - £2400 / £ / £
117. laurasavon - £3000 / £ / £1500
118. Sugarhunny1 - £1000 / £ / £500
119. fieldofdreams - Completely clear £8500 mortgage! / £400 / £3200

cake21

121. vwchris - £7000 / £ / £3400
122. NellieB - £3000 / £ / £4515 Target reached July! :j:j
123. shala_moo - £10000 / £ / £5881
125. jmf76 - reduce mortgage to below £100,000 (£1500 OP) / £ / £
127. moggyr - £3000 / £ / £
128. froddington - £5000 / £350 / £2865
129. hazelreed - £5640 / £ / £
130. azza2007 - £8000 / £ / £5000
133. BARGAINHUNTER! - £5000 / £ / £414
137. vulcan558 - £1000 / £ / £
138. anthonini - £9000 / £500 / £6000 Original target reached August! :j:j
139. curlygirl1971 - £6000 / £208 / £5753 Target reached October! :j:j
142. Dithering Dormouse - £10000 / £ / £1438
143. lfd706 - £1200 / £ / £300
144. HarveyGal - £10000 / £ / £800
146. mpgsheep - £4800 / £ / £400
148. thriftyminx13 - £7000 / £ / £1663
149. skaps - £2011 / £160 / £1281 Target reached October! :j:j
150. mummyofonechild - mortgage-free by end 2011! (£2000 OP) / £ / £5280 :j:money::jMortgage Free Graduate!!! :j:money::j
152. babyb06 - £12250 / £ / £12564 Target reached July! :j:j
153. wonderbee - £6000 / £ / £1385
157. catslovelycats - £1200 / £ / £659 Target reached July! :j:j
159. fruitdogs - £12000 / £ / £2500
160. Emsky123 - £7000 / £2100 / £7300 Original target reached July! :j:j 2nd target reached August! :j:j
161. DansMum - £2904 / £ / £945
162. tootallulah - £25000 / £ / £
163. gerbiljo - reduce mortgage to £34700 / £ / £16005
164. SimbaK2K - £1000 / £ / £360
165. katiegizmo - £4000 / £ / £
167. Baby steps - £7500 / £ / £1018
168. Leigh Anne 60 - £6000 / £ / £
170. MrsEm - £6000 / £ / £750
173. greent - £7500 / £ / £5433 Original target reached July! :j:j 2nd target reached November! :j:j
175. flimsier - £5000 / £ / £
176. secretservice - £2000 / £ / £206
177. Parnott - £7200 / £700 / £5688
178. Lilium - £4500 / £750 / £1533
179. mennie - £1200 / £ / £400
180. madeupname1 - £30000 / £8000 / £11000
183. lighthousescotland - £2000 / £205 / £1640 Target reached October! :j:j
184. newgirly - £15000 / £ / £5932
186. Bettybug - £2000 / £ / £
187. katsu - £1200 / £1095 / £1095 Target reached September! :j:j
190. delmar39 - £500 / £ / £100
192. ElusiveLucy - £6500 / £500 / £4500
194. knithappens - £1500 / £ / £236
195. wildfrog - £2500 / £ / £1861 Target reached July! :j:j
197. mlz1413 - £2000 / £ / £172
198. misselvis - £1800 / £ / £350
199. Imelda - £80000 / £56919 / £70350 Original target reached August! :j:j
200. bubblesmurf - will confirm / £ / £
201. sara1979 - £5000 / £ / £2994
202. Jolaaled - £1000 / £ / £200
204. skintscotslass - £2400 / £ / £1400
205. blizeH - £14000 / £ / £7000 Original target reached July! :j:j
208. Deleted_User - £10000 / £ / £
213. AnnaBeth - £4500 / £ / £3049
214. Peonie - £2000 / £ / £11700 Target reached July! :j:j
215. COOLTRIKERCHICK - £2000 / £1200 / £2000 Original target reached August! :j:j
216. bownyboy - £10000 / £ / £499
217. pavlovs_dog - £1500 / £100 / £1285
218. Sarahe - £6000 / £ / £515
219. MoneyMission - £1200 / £ / £109
220. originalmiscellany - £22000 / £ / £23000 Original target reached June! :j:j


TOTAL - £1,320,420 / £102,483 / £651,667

cake21

............

tootallulah

Hi

Filled in the form, please add me to the list . My target is £25,000 in 2011. Thank-you.

gallygirl

Need to send my final update for 2010 - I see you have set my 2011 target at 25k Cake...... hmmmmm, I failed this year (accidentally bought a new kitchen :rotfl:) but I suppose I had better pull my stripey socks up for 2011 . That will more than clear the mortgage on this house and make inroads on BTL 1 :T

newgirly

newgirly MFW 184.

Hi cake thanks for all your hard work this year, it is appreciated.

My target for 2011 is £15,000 (£1,250 per month), thanks a lot and have a great xmas!

someday_soon

Cake you are great. We had so much focus through doing this last year.

Good Luck Everyone

Someday Soon

shala_moo

Hi, i'd like to join please, if i may.

I'm going to try and pay off £10,000 in 2011 to keep up with my MFIT challenge going on. I'm hoping you guys will help me stay on track:D

Thanks Cake21 for setting up the challenge

Moo x