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2018 Mortgage-Free Wannabes

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  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    No 144 with 40 for April :)
    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.
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  • Darpett
    Darpett Posts: 71 Forumite
    Part of the Furniture 10 Posts
    #154 noticed my £124.46 for March is still not updated.

    Can you add please? Many thanks :)
  • denzal2k4
    denzal2k4 Posts: 9 Forumite
    #177 with an op of £600 for april

    Thanks
  • selloptape
    selloptape Posts: 632 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Hi HS! Thanks for keeping the sheet updated :)

    No 49 popping in with an OP of £300 to report for April x
  • Mortgage_Minimiser
    Mortgage_Minimiser Posts: 338 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Hi

    #46 here. Another £100 payment for April, bringing a totally of £800 for this month and £3813.66 for the year so far.

    I doubt there will be much more if any this month. The extension starts in just under 2 weeks and I have also decided to start putting any extra (interest / free money etc) into savings for now, just to give me some options.

    I have however worked out that on current interest rates and OP limit if I OP by £2000 each month this mortgage will be gone by Jan 2024!!! :j I can secure the new mortgage in a few months and it comes into play Nov......off to take a look at rates as we could improve on this date possibly! Could start to get exciting

    Thanks Hidden

    MM
    x
    Mortgage 1 - 01/2/2015 - £243,750 ; Mortgage 01/11/2024 - £132,576.55
    Mortgage 2 - 2019 - £76,600 ; Mortgage 01/10/2024 - £47,763.29
    MFit-T5 - reduce to £140,000 MFiT-T6 - reduce to £110,000

    01/10/2024 Daily Interest - M1 = £18.27 (!!); M2 = £7.41

    Debt at highest point in 24 -£21,344
    Debt 1st November 24 - £16,192.18 24% paid. Focusing on this in earnest!!!
  • Lexi-lu
    Lexi-lu Posts: 173 Forumite
    Fourth Anniversary 100 Posts Photogenic Combo Breaker
    Hello hiddenshadow,

    Number 58 payment of £9,193 for April

    Thank you

    LL
    Mortgage Balance £0
  • Durban
    Durban Posts: 485 Forumite
    Tenth Anniversary 100 Posts Name Dropper
    edited 13 April 2018 at 3:46PM
    #175 here with overpayment of £597 for April.
    Many thanks hiddenshadow
  • utopiah
    utopiah Posts: 316 Forumite
    Part of the Furniture 100 Posts Combo Breaker Mortgage-free Glee!
    #43 OP of £1830 over half way now
    Mortgage free 25/9/2019 8years and 7 months early 😁😁😁
  • worklifebalance
    worklifebalance Posts: 73 Forumite
    #57

    Haven't been around much. Life has been getting in the way but still making overpayments

    Jan £755
    Feb £635
    March £534

    Thanks
    SPC #459 no 8 2015 £203 2016 £157 2017 £70
    starting mortgage £120,000 June 2012
    OP 2015 £5000, 2016 #57 £28866/ £25000
  • Cherryfudge
    Cherryfudge Posts: 13,332 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    A_Frayed_Knot wrote: »
    Do all your accounts (sub) have interest added to them? I have 1 sub account left but no interest added, so that is staying as it is.
    Watch out though as I cleared off my other sub account that interest was added to each month as it was annoying only to find - (i'm sure they are still putting the amount I was paying to that account each month to that account when the balance is zero, as my two balances don't add up to my total balance mortgage. Hope that makes sense.

    Ooh, sorry, missed this reply... thanks for this, yes all three sub-accounts have interest added and they're all the same rate. I had better keep an eye on the smallest subaccount just in case they keep treating it as payable once it's gone.

    BTW I made a March over-payment of £500 but I don't see it on the spreadsheet (no 30). Mind you I need a good night's sleep so this may be me missing something. :)
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