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2015 mfw

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  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Havent made any major overpayments this year.
    Have OP'ed at least £20 per month though each month so far.
    So say £250 this year.
    Unlikely to be anything else this year.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • mortgage_destroyer
    mortgage_destroyer Posts: 86 Forumite
    No 100 here made another overpayment of £160 taking my November total to £560:-)


    Not long to go now not sure if I'll can manage the £600 overpayment in December to reach my target, lots of Christmas shopping to do!!!
  • Marie27lol
    Marie27lol Posts: 254 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hi All

    Life has been so hectic, so I am sorry for not keeping in touch.

    My OPs since July are:

    Aug - 150
    Sep - 100
    Oct - 175
    Nov - 100 currently

    Which brings me to £3,550... Having just checked the sums, my daily interest on the mortgage is now... drum rolls... £9.74, instead of when we first got the mortgage to a whopping £12.42 / day!

    Umm got some work to try and meet my revised target.... And just in time for Christmas :rotfl:

    TTFN and I hope to update again sooner rather than later.
    M
  • ElusiveLucy
    ElusiveLucy Posts: 686 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    #50 here. I haven't made any further OPs since the last one recorded and am not going to make any further ones now.


    I should be MF by October 2016, so am going to top up my Cash ISA this year with the money I would have used on OPs and maybe pay some more into my pension (which seems to be running a bit short). Since it doesn't look like the base rate will change for a while I am better off paying into an ISA than paying off my mortgage (1.25% on my mortgage, between 1.4% and 2.75% on my ISAs)
    What goes around comes around.....I hope!
  • pinkteapot
    pinkteapot Posts: 8,044 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    #36 reporting in...

    November: £0 :(

    Had some unexpected expenses, plus our home insurance renews soon as we don't bother saving for that during the year - we just pay it out of our normal saving/OP amount this month.

    But, we've already hit our target for 2015 OPs and should OP more in December. :D
  • cookie9
    cookie9 Posts: 764 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    #91 with £443 this month.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • kitjos
    kitjos Posts: 223 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    Urrrgghh hard time of the year! :(

    No OP's for me and may not have any for December. Instead of sending OP's away, ive been grouping them in an online account, got £2.5k so far, will prob start sending that over to C&G in new year. Think its wise to have a bit more of a 'back up' fund this time of year!

    Congrats to others and the OP's. Looking forward to the 2016 thread xx
    "Don't underestimate the value of financial security"


    Wanting to be mortgage free by 45. £155,000 start / £86,880 currently

  • velocity_girl
    velocity_girl Posts: 963 Forumite
    Eighth Anniversary 500 Posts
    #71 here, just added a small extra OP of £10 for November - making £225.31 total for the month.
    2018 wins: Aspinal of London jewellery box, Boudavida gym outfit, HP Pavilion laptop, The List party tickets, All Points East festival tickets, Kiehls moisturiser, By Terry cc serum, Nars Liquid Bronzer, Benefit highlighter, Nars illuminator, Fresh advanced lip trio set, Cetaphil sample set, signed copy of My Absolute Darling by Gabriel Tallent
  • lilahloo
    lilahloo Posts: 117 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    #94 I've overpaid £111 in Sept, Oct and Nov so a total of £333 for the 3 months.
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    elantan no 18 adding in another £550 if thats ok ? just added my dribs and drabs together ... thats no bad going
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