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2012 mfw
originalmiscellany
Posts: 1,655 Forumite
click here for easy updates and click here to see how we're all doing
Welcome to the thread for everyone starting or continuing their MFW journey in 2012.
Hopefully many of us will want to continue the hard work that we have put in to overpaying our mortgages in 2011, and there will be those who want to start on their MFW journey - for all of us this is the place to be.
Please feel free to join our journey at any time - you can either:
Complete the online form (please note it's not automatic, I update the spreadsheet when I get around to it ); or
send me a private message (PM); or
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 2012 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 2012) 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. 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 2011 MFW challenge, 2010 MFW challenge and Zavarony's 2009 MFW thread that I shamelessly plagiarised (along with this text from the 2011 MFW challenge)
Good luck to us all!
Welcome to the thread for everyone starting or continuing their MFW journey in 2012.
Hopefully many of us will want to continue the hard work that we have put in to overpaying our mortgages in 2011, and there will be those who want to start on their MFW journey - for all of us this is the place to be.
Please feel free to join our journey at any time - you can either:
Complete the online form (please note it's not automatic, I update the spreadsheet when I get around to it ); or
send me a private message (PM); or
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 2012 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 2012) 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. 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 2011 MFW challenge, 2010 MFW challenge and Zavarony's 2009 MFW thread that I shamelessly plagiarised (along with this text from the 2011 MFW challenge)
Good luck to us all!
Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 2037
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 2037
0
Comments
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Reserved 2:Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
2012 OVERPAYMENT TARGET JANUARY TOTAL YEAR TO DATE (spreadsheet version here)
No. Name Target
1 originalmiscellany 12000
2 catslovelycats 4000
3 pigtails_21 10000
4 CathT 3000
5 madeupname1 30000
6 spiggle 8400
7 black taxi 9000
8 dark^knight 15000
9 Tilly MFW 30000
10 Katsu 2000
11 Sepa 74 1
12 Emsky123 5000
13 Happy Ju 5000
14 Sugarhunny1 6000
15 sparklystar 5000
16 kimbo26 2200
17 BeauBelle 1200
18 lulabelle1 12000
19 uzubairu 15000
20 curlygirl1971 2760
21 newgirly 10000
22 icontinuetodream 3600
23 pavlovs_dog 1500
24 ironhide 4500
25 l33na 2000
26 MsWow 13000
27 Paddypaws 1200
28 greent 6000
29 financialbliss 1
30 Twiddy 3500
31 sweetdaisy 800
32 lighthousescotland 2500
33 zutou 1
34 unhappy_shopper 24000
35 BaillieRiley 3000
36 LavenderBees 11750
37 waughc01 9000
38 filly fop 8000
39 haras_nosirrah 10000
40 needhelpsaving 2012
41 rockabelle 15000
42 downsizer3 864
43 puddle96 6000
44 glitterball 7500
45 Lixi 15000
46 shala_moo 5000
47 evi3000 20000
48 rainbowcattail 12000
49 kitjos 3600
50 ElusiveLucy 6000
51 jaywhoopee 5000
52 alisean221 3000
53 pammyj74 6000
54 SimbaK2K 2000
55 skaps 3000
56 skintscotslass 2400
57 T.x 5000
58 everach 2000
59 the_alchemist 3000
60 coldcazzie 1500
£0 £0Feb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
61 mbbetter 12000
62 drewwa 30000
63 Jock_Tight 5400
64 UnionGirl 1500
65 Dragonrider 2400
66 Barny1979 8500
67 Mortgagefreeby50 3000
68 ajmoney 1200
69 Malski 15000
70 Tina01904 10000
71 Retire at 50 3000
72 Hannahnightmare 6000
73 GallyGirl 18000
74 beccajune 25000
75 Funkygibbon 3000
76 Lilium 1000
77 Sue Donim 12000
78 Southernman 3000
79 Billywhiz 39000
80 jimmyjones 13200
81 AvidSaver 2000
82 Oeano 1
83 wildfrog 1200
84 poppycat1
85 Belfastgirl23
86 LilacPixie
87 Indigo899
88 Tony_R
89 BaconandEggs
90 miss_corerupted
91 Pollys
92 CharlieH
93 RosieTiger
94 Deleted_User
95 ruby911
96 skint spice
97 elantan
98 ulstertiger
99 wilsons
100 Missy606
101 lawbee
102 twistedhazel
103 froddington
104 Chunters_a_lot
105 jo101
106 Sarahevie
107 ViHan
108 Mint1955
109 kate1979
110 originator
111 Chelly78
112 LittlestFlower
113 jmf76
114 Lomcevak
115 Tabbitha
116 Lippy1923
117 debtshurt
118 NellieB
119 starflame
120 MoneyMission
121 Parnott
122 azza2007
123 Lincoln-potter
124 Trills
125 Bownyboy
126 pollyanna24
127 blackberrycurved
128 TwinnyD
129 fluffysox
130 blizeH
131 Marblecake
132 wrigleydl
133 katiegizmo
134 ally18
135 sheslookinghot
136 rjlawler
137 frugalfrog
138 DramaMug
139 Maybe_its_becauseFeb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
Reserved for future useFeb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
for future useFeb 2012 - onwards MF achieved
September 2016 - Back into clearing a mortgage - Was due to be paid off in 32 years in March 2047 -
April 2018 down to 28.00 months vs 30.04 months at normal payment.
Predicted mortgage clearing 03/2047 - now looking at 02/2045
Aims: 1) To pay off mortgage within 20 years - 20370 -
Please add me to the list for 2012!
Not sure what my target is yet cos work and mot might both be changing!
I'll say OP of £2000 and will change if necessary.
Thanks
Link to my MFW diary: https://forums.moneysavingexpert.com/discussion/29549940 -
Can you please add me to the list
I'm not sure of our target yet - could you put this down for 10,000 for the moment, but I'll probably amend to just over £12,000. It will be whatever it takes to get us down to 50k by the end of the year 2012.
Good luck everyone, and thanks for the hard work this involves.June wins: 2 x Robbie Williams tickets, iPad mini, £200 skatehut voucher
A huge thank you to all posters xx0 -
Thank you for doing the challenge for 2012. Can you put me down for £3000 please.June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!0
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Yes please add me to the list too! My 2011 number was 180 but happy to be allocated a new number! Target hmmm I'll try £30,000 again ...0
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Hi OM,
Thanks very much. :T:beer::j
I'll certainly join and help you out as best I can.
I haven't fully worked out the OPs for 2012 yet but I'll initially say £8400 please. This may get changed later this month when I've done the full budget for the year. I don't mind if I have a new number or if you want to keep me at No. 40.
All the best,
SpigsMortgage Free October 2013 :T0
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