2013 mfw 3 December 2012 at 9:43PM edited 14 December 2013 at 7:11AM in Mortgage-Free Wannabe 1.7K replies 91.8K views

VoucherMan

Catslovelycats wrote: »

if it's not 'breaking rules'

If it is then it's a rule I've not heard of.

If it helps to get the mortgage paid off earlier then it has to be good.

Total amended.

My_life

Hello, can I join in?

After 4 years of debt clearance I want to spend the next 3 years paying off our mortgage.

Target for mortgage reduction in 2013 is £20,000. This is net reduction target and includes normal and overpayments, but not interest.

My Life

VoucherMan

Welcome to a couple of newcomers

34. My life

and from the Googledoc

33. ictquizzer

icontinuetodream

Catslovelycats wrote: »

It's not just OPs, but is the amount I'd like to try to pay off my mortgage in 2013 - includes my standard payments and overpayments. Think this will motivate me more if it's not 'breaking rules', if it's OK....

My_life wrote: »

Target for mortgage reduction in 2013 is £20,000. This is net reduction target and includes normal and overpayments, but not interest.

Exactly the way I am doing my 16k!!

greent

New challenger joining, please!

Have just posted Dec's OP on 2012 mfw thread and found this one!

Don't care on number

OP target = £10000 - we're a little stretched for funds next year, as lots of work planned on house and husband's contract finishes in March and he has nothing kined uo yet.....

VoucherMan

Welcome to the new thread.

35. greent

endoftherainbow

Hi VoucherMan,
Can I join please? It will be the first time I've signed up, but I have been regularly overpaying for a couple of years and also enjoyed reading the threads. Would like to reduce mortgage by £5,000 in 2013.
Thanks

OS_QS

Hi, please can I join also?

I'd like to aim for £9000 overpayments in 2013.

Cheers

kirstypark

can i change my total too please? I want to pay 12000. off the total to include regular payments, regular overpayments and any bits i find extra to overpay. Thank you:A. (number 7 my lucky number!)

Spiggle

Hello everyone,

Some very impressive targets being set for 2013, brilliant!

I have now set my OP target for the coming challenge (and put it on the spreadsheet VoucherMan!) but may need to amend it later, we'll see.

The challenge has, for the last two years that I've been a challenger, helped so many people keep on track with their OPs and, in 2012, played a part in the complete clearance of eight mortgages. It's too early yet to say what our final total of OPs will be for 2012 but our target was just over £1million and we are very close!

Good luck everyone, you've come to the right place to support you in OPing your mortgage over the next 12 months. Remember, it doesn't matter how little or large your OPs are, the fact that you pay anything extra off is the key!

I look forward to following the challenge with you all through 2013.

Take care,
Spigs