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2011 mfw

edited 5 January 2011 at 10:36AM in Mortgage-Free Wannabe
1.2K replies 76.7K views
cake21cake21 Forumite
1K posts
edited 5 January 2011 at 10:36AM in Mortgage-Free Wannabe
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 :D); 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 :D


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!
«134567118

Replies

  • edited 1 February 2011 at 1:00PM
    cake21cake21 Forumite
    1K posts
    edited 1 February 2011 at 1:00PM
    No announcements at this present time. Could everyone please pat themselves on the back for deciding to save mortgage interest this year :beer:
  • edited 27 November 2011 at 10:04AM
    cake21cake21 Forumite
    1K posts
    edited 27 November 2011 at 10:04AM
    .....................................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
  • edited 27 November 2011 at 10:55AM
    cake21cake21 Forumite
    1K posts
    edited 27 November 2011 at 10:55AM
    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
  • edited 27 November 2011 at 10:55AM
    cake21cake21 Forumite
    1K posts
    edited 27 November 2011 at 10:55AM
    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. theyoungone - £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
  • edited 11 December 2010 at 12:57PM
    cake21cake21 Forumite
    1K posts
    edited 11 December 2010 at 12:57PM
    ............
  • tootallulahtootallulah Forumite
    2.2K posts
    ✭✭✭✭
    Hi

    Filled in the form, please add me to the list . My target is £25,000 in 2011. Thank-you.
    Mortgage House £68,000 July 2019, Aug £67k, Sep £66k.
  • gallygirlgallygirl Forumite
    17.2K posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Hung up my suit!
    ✭✭✭✭✭
    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
    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"
  • newgirlynewgirly Forumite
    7.6K posts
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    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!
    MFW 38

    2020 £14,466.48 / £18,000
  • Cake you are great. We had so much focus through doing this last year.

    Good Luck Everyone

    Someday Soon
    Completely Debt Free 2009:j

    Completely Mortgage Free 2013:j
  • shala_mooshala_moo Forumite
    3.3K posts
    Part of the Furniture Combo Breaker
    ✭✭✭✭
    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
    Actual Mortgage = [STRIKE]£166,050[/STRIKE]£94,745.85
    Mortgage Offset % = 47.77%
    Mortgage Neutral Date = [STRIKE]Dec 2036[/STRIKE]Apr 2024
    Mortgage Neutral position = £49,012.69 outstanding
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