2013 mfw 3 December 2012 at 10:43PM edited 14 December 2013 at 8:11AM in Mortgage-Free Wannabe 1.7K replies 91.4K views

VoucherMan

The 2014 thread can be found here


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 2013. :hello:

Hopefully many of us will want to continue the hard work that we have put in to overpaying our mortgages in 2012, 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 2013 and then on a monthly basis your overpayment for the month and a year to date figure - including your MFW 2013 number please


There is no cut off point for joining the thread and the challenge (except the 31st December 2013 :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 Google.Doc if you want, just let me have the link.

To see our previous successes, please see the 2012 MFW challenge, 2011 MFW challenge, 2010 MFW challenge and Zavarony's 2009 MFW thread that I shamelessly plagiarised (along with this text from previous challenges) :T

Good luck to us all!

VoucherMan

Temporary (maybe permanent, not sure yet) change of management.

Spiggle's busy at the moment so has asked me to launch the 2013 MFW.

Not sure if she will be taking over or helping out in the future but for now you're stuck with me

If anyone would like to keep their 2012 MFW number, or would like a specific number please let me know. Otherwise it's first come, first served.

The list in post #3 shows which numbers are taken / available.



One or two small changes on last year's chart.

Please let me know if you'd like a link to your MFW diary adding.

I've also added some coloured 'progress bars' - green = on target, red = falling behind. Unfortunately I couldn't think of any suitable comments to add so any suggestions welcome.


While I'm happy to keep the chart updated you're not likely to get much comment from me, so hopefully Spiggle will continue with some of her encouraging chat even if she doesn't return to take over the updates.


Also please note that your target (in the right hand column) will not show up next to your name until your first op has been recorded.

VoucherMan

Overpayment Target
1. Spiggle £8400
2. elantan £2000
3. froddington £4000
4. lemonpopsicle £2500
5. black taxi £7000
6. toerag33 £1500
7. kirstypark £12000
8. toerag33btl £6000
9. lulabelle1 £16800
10. Southernman £3750
11. lighthousescotland £2500
12. tattycath £3500
13. Mortgagefreeby50 £3060
14. rockabelle £5000
15. elliejay £4000
16. icklehelen £5250
17. saver03 £1800
18. ecoelle £1620
19. uzubairu £13200
20. theyorkbrood £2500
21. newgirly £10733
22. sarahevie £9700
23. muddywhitechicken £7500
24. catslovelycats £10000
25. Skittle £5000
26. pammyj74 £6000
27. QB Wolf £10000
28. mrsyallop £4200
29. Needhelpsaving £750
30. kandfs mam £6000
31. mothershipton £6000
32. Lomcevak £5988
33. ictquizzer £5000
34. My life £20000
35. greent £10000
36. LavenderBees £10000
37. endoftherainbow £5000
38. OS QS £9000
39. chocoholic_chick £2000
40. Happy Ju £4000
41. JCL £10000
42. cats2012 £2000
43. slowlyfading £7000
44. bownyboy £12500
45. pollyanna24 £26000
46. pavlovs_dog £2000
47. evi3000 £41657.47
48. gallygirl £30721
49. Jackies £6000
50. ElusiveLucy £6000
51. jaywhoopee £4500
52. Dithering Dormouse £12000
53. Tilly MFW in 6 YRS £35000
54. rachelww1 £6000
55. BaconandEggs £7900
56. Mortgage Reduction Novice £800
57. Barny1979 £5000
58. Gadfium £6000
59. illgetthroughthis £12000
60. sillyinthepast £5000
61. my definition £2000
62. liz-paul £10000
63. VoucherMan £3000
64. UnionGirl £1500
65. rainbowcattail £2000
66. *Jellie* £12000
67. Anna Glypta £10000
68. skaps £5000
69. rubyd £4000
70. ajmoney £3000
71. Retire at 50 £10000
72. hannahnightmare £4000
73. PaddyPaws £1200
74. glitterball £6000
75. Calfuray £1200
76. CathT £2500
77. Sue Donim NOT YET DECLARED
78. AvidSaver £3200
79. pawlala £71000
80. lincoln-potter £16000
81. fluffysox £10000
82. Kaz2904 £6316.14
83. marinia75 £10000
84. Poppycat1 £10000
85. hildosaver £6000
86. NPowerUser £16831.7
87. house_help £6000
88. Tony_R £7500
89. darcyboo £1500
90. blackberrycurved £10000
91. foxblade £5000
92. icontinuetodream £16000
93. everach £500
94. LauraJo £56900
95. rd07 £12000
96. NellieB £4200
97. kansaskitty £3300
98. wonderbee £3000
99. wilsons £1200
100. mortgage destroyer £5000
101. Kel £15000
102. twistedhazel £5500
103. Dot Common £10000
104. kitjos £8000
105. happysocks £2516.76
106. southportguy £30000
107. Matt The Chippy £10000
108. Mint1955 £6000
109. kate1979 £1000
110. jo101 £800
111. Caeraugirl £6000
112. moomi £1200
113. mamamags £3000
114. Thrifty Pixie £6000
115. Jolaaled £10000
116. blizeH £6000
117. cianalas £10000
118. katiegizmo £1000
119. kmcld2 £4020
120. MoneyMission £1200
121. Flutteringby £5000
122. thriftyscotslass £6000
123. Sundaysgirl £5000
124. iquit £4500
125. narnie1 £5000
126. dave j £6956.24
127. Marie27lol £3000
128. TwinnyD £4200
129. freddykrueger £5000
130. addyboy1982 £3000
131. Funkygibbon £3000
132. kbl £1600
133. ixia £4500
134. Jo4nne £1000
135. Time to face the music £4000
136. nicolula87 £1200
137. Kerfuffle £6000
138. snappybadger £16000
139. Farel01 £1200
140. FacelessNumber £840
141. leunger £4000
142. pixiedust09 £1000
143. Ruthy1604 £3800
144. southerndave £1341
145. SpottyKnickers £1000
146. emmita £6000
199. stewby £176.7

VoucherMan

Overpayment Target / October Total / Year to date
1. Spiggle £8400 / £ / £1496
2. elantan £6000 / £500 / £5355
3. froddington £4500 / £ / £4000
4. lemonpopsicle £2500 / £ / £2500
5. black taxi £10000 / £905 / £10305
6. toerag33 £10000 / £ / £9350
7. kirstypark £14000 / £1449.46 / £11243.82
8. toerag33btl £6000 / £ / £5898
9. lulabelle1 £16800 / £ / £16800.8
10. Southernman £3000 / £170 / £2665.23
11. lighthousescotland £2500 / £150 / £2400
12. tattycath £3500 / £ / £942.9
13. Mortgagefreeby50 £1880 / £ / £1534
14. rockabelle £5000 / £ / £3800
15. elliejay £6000 / £ / £4500
16. icklehelen £3000 / £62.25 / £2674.9
17. saver03 £900 / £ / £900
18. ecoelle £1620 / £125 / £1295
19. uzubairu £8500 / £ / £8400
20. theyorkbrood £2500 / £214.69 / £2063.6
21. newgirly £9770 / £ / £4637.22
22. sarahevie £9700 / £ / £5000
23. muddywhitechicken £15000 / £1000 / £18790
24. catslovelycats £10000 / £ / £2100
25. Skittle £5000 / £ / £40
26. pammyj74 £6000 / £365 / £6088
27. QB Wolf £10000 / £ / £4625
28. mrsyallop £4200 / £ / £1934
29. Needhelpsaving £1000 / £200 / £1133.8
30. kandfs mam £6000 / £ / £3633.32
31. mothershipton £6000 / £ / £13500
32. Lomcevak £5988 / £565 / £5065
33. ictquizzer £5000 / £ / £1500
34. My life £20000 / £ / £16600
35. greent £10000 / £ / £8991
36. LavenderBees £10000 / £ / £5714
37. endoftherainbow £12000 / £87.04 / £871.39
38. OS QS £10000 / £ / £3333.35
39. chocoholic_chick £1100 / £460 / £720
40. Happy Ju £ / £ / £0
41. JCL £10000 / £1360 / £7294
42. cats2012 £ / £ / £0
43. slowlyfading £7000 / £ / £5404.12
44. bownyboy £12500 / £499 / £11633
45. pollyanna24 £26000 / £ / £21500
46. pavlovs_dog £2000 / £ / £1347
47. evi3000 £41657.47 / £ / £29779.97
48. gallygirl £30721 / £2185 / £21569
49. Jackies £6000 / £ / £4995
50. ElusiveLucy £6000 / £500 / £5000
51. jaywhoopee £5000 / £407.74 / £4347.43
52. Dithering Dormouse £12000 / £ / £7725
53. Tilly MFW in 6 YRS £35000 / £ / £16500
54. rachelww1 £6000 / £ / £3500
55. BaconandEggs £7900 / £ / £7900
56. Mortgage Reduction Novice £ / £ / £0
57. Barny1979 £5000 / £ / £2110.54
58. Gadfium £16000 / £500 / £15500
59. illgetthroughthis £ / £ / £0
60. sillyinthepast £ / £ / £0
61. my definition £ / £ / £0
62. liz-paul £10000 / £800 / £8400
63. VoucherMan £3000 / £220 / £2160
64. UnionGirl £1500 / £125 / £1250
65. rainbowcattail £8000 / £920 / £6505
66. *Jellie* £ / £ / £0
67. Anna Glypta £16000 / £ / £11000
68. skaps £5000 / £214.69 / £5095.63
69. rubyd £4000 / £ / £200
70. ajmoney £2000 / £143.75 / £2043.75
71. Retire at 50 £10000 / £3265.1 / £7851.9
72. hannahnightmare £4000 / £ / £2000
73. PaddyPaws £3000 / £ / £2648.37
74. glitterball £6000 / £ / £4000
75. Calfuray £2200 / £324.76 / £1950.85
76. CathT £2500 / £ / £742
77. Sue Donim £ / £ / £0
78. AvidSaver £3200 / £ / £1703
79. pawlala £71000 / £ / £51134.05
80. lincoln-potter £19000 / £ / £19000
81. fluffysox £10000 / £458.54 / £9458.54
82. Kaz2904 £6316.14 / £ / £6316.14
83. marinia75 £10000 / £1000 / £5972.42
84. Poppycat1 £11500 / £ / £2800
85. hildosaver £6000 / £ / £11350
86. NPowerUser £15587.2 / £2755.5 / £15587.2
87. house_help £6000 / £ / £2000
88. Tony_R £7500 / £811 / £6589
89. darcyboo £3750 / £ / £3125
90. blackberrycurved £ / £ / £0
91. foxblade £5000 / £ / £520
92. icontinuetodream £16000 / £1310 / £12925.4
93. everach £500 / £ / £135
94. LauraJo £56900 / £ / £19300
95. rd07 £12000 / £ / £10000
96. NellieB £4200 / £350 / £4000
97. kansaskitty £3300 / £367.94 / £1567.94
98. wonderbee £ / £ / £0
99. wilsons £1200 / £ / £150
100. mortgage destroyer £5000 / £ / £3450
101. Kel £ / £ / £0
102. twistedhazel £5500 / £716 / £5627
103. Dot Common £10000 / £ / £1670
104. kitjos £6000 / £ / £2380
105. happysocks £2516.76 / £ / £1887.57
106. southportguy £45000 / £13797 / £53642
107. Matt The Chippy £13000 / £ / £7095.27
108. Mint1955 £6000 / £ / £4500
109. kate1979 £1000 / £ / £590
110. jo101 £800 / £ / £50
111. Caeraugirl £9000 / £125 / £5850
112. moomi £1200 / £ / £189.65
113. mamamags £3000 / £ / £1195
114. Thrifty Pixie £4000 / £ / £3243.12
115. Jolaaled £13000 / £ / £7250
116. blizeH £ / £ / £0
117. cianalas £10000 / £ / £7987
118. katiegizmo £1000 / £ / £424.41
119. kmcld2 £4020 / £ / £155
120. MoneyMission £1200 / £ / £1629
121. Flutteringby £ / £ / £0
122. thriftyscotslass £6000 / £ / £1900
123. Sundaysgirl £9900 / £1150 / £8000
124. iquit £4500 / £ / £2598.46
125. narnie1 £5000 / £ / £600
126. dave j £6956.24 / £ / £3897.37
127. Marie27lol £3000 / £140 / £2340
128. TwinnyD £4200 / £ / £73431.82
129. freddykrueger £5000 / £751 / £4204
130. addyboy1982 £3000 / £ / £500
131. Funkygibbon £3000 / £ / £2000
132. kbl £1600 / £ / £447.4
133. ixia £4500 / £500 / £2000
134. Jo4nne £1000 / £ / £212
135. Time to face the music £7000 / £79.59 / £6112.14
136. nicolula87 £1200 / £ / £359.61
137. Kerfuffle £6000 / £ / £2374.1
138. snappybadger £16000 / £ / £13001
139. Farel01 £1200 / £ / £50
140. FacelessNumber £840 / £ / £393.2
141. leunger £4000 / £ / £465
142. pixiedust09 £1000 / £ / £100
143. Ruthy1604 £3800 / £ / £1895.51
144. southerndave £1341 / £ / £590
145. SpottyKnickers £1000 / £171.77 / £171.77
146. emmita £6000 / £200.58 / £3357.63

VoucherMan

elantan

Oooooo thanks for doing this, I have joined previously and made some headway, then as usual life got in the way, sp for 2013 I would like a more conservative attempt, so can I join with the plan Ifi repaying by £2,000 in 2013 please ?

froddington

Thanks for doing this VoucherMan - I'll be in again for next year.

I'm No. 103 at the moment, but will be happy with any number!

I think my aim will be £4000 OP in 2013 but that may change as I am planning to move house!

uzubairu

It's that time again.
Thanks Voucherman.

My target is to:- Completely clear our £13,200 mortgage.
I reckon that the mortgage will be around that figure at the end of this month. I will fine tune nearer the time.

Please can I have No: 19 again (I think it brings me luck), as it's my number in MFiT-T3 challenge.

lemonpopsicle

Can I have a number please? I hope to overpay by £2.5 k in 2013 on a £31k mortgage.

VoucherMan

That's the first few challengers recorded.

1. I've reserved for Spiggle
2. elantan
3. froddington
4. lemonpopsicle

and

19. uzubairu

black_taxi_2

thx VoucherMan

just saw thread

put me down as 5.