2018 Mortgage-Free Wannabes

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  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
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    Hi Pawlala,
    Thank you for taking over. I hope Hiddenshadow is well.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • Cherryfudge
    Cherryfudge Posts: 10,052 Forumite
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    Thank you for stepping in Pawlala - that's an impressive total of conquered mortgages!

    If you're in touch with hiddenshadow, please pass on all these good wishes people keep sending - and I for one quite understand it will take a while to wade through all our posts.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration challenge, 2024: Trainers 5 coupons. 5/68
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • pawlala
    pawlala Posts: 1,416 Forumite
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    clairebear_london wrote: »
    Hello may I please join the thread? We bought our house last summer and we love it! We have started to make overpayments to the mortgage to try and pay it off a bit quicker - but my goodness it seems like such a huge task! We are trying to save up to get a new kitchen too and I'm not sure what is best use of the money - overpaying or saving for the kitchen!? Or a combination of the two? We are remortgaging in March next year so trying to drop down a LTV band before then, which is a good incentive! Thanks, Claire.
    You're in at #161

    What's your target?
    Mortgage free I: 8th December 2009!
    Mortgage free II: New Year's Eve 2013!
    Mortgage free III: Est. Dec 2021...
  • pawlala
    pawlala Posts: 1,416 Forumite
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    starnac wrote: »
    Hi Is it too late to join this? We have just started taking overpaying our mortgage seriously and keeping track every month would be a great incentive.
    You're in at #182 - enjoy! What's you're 2018 target?
    Mortgage free I: 8th December 2009!
    Mortgage free II: New Year's Eve 2013!
    Mortgage free III: Est. Dec 2021...
  • beanielou
    beanielou Posts: 90,321 Ambassador
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    Pawlala ~~. Big thanks to you.
    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.
  • pawlala
    pawlala Posts: 1,416 Forumite
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    erin_transport wrote: »
    2018 MFW #138
    £72 payment today 01/07/18
    Total to date £2937/£6500 = 45.1%
    Please let me know only your final totals for each months, unless your post tells me the cumulative total for the month your OPing in :)
    Mortgage free I: 8th December 2009!
    Mortgage free II: New Year's Eve 2013!
    Mortgage free III: Est. Dec 2021...
  • pawlala
    pawlala Posts: 1,416 Forumite
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    Thread / spreadsheet up-to-date. :coffee: :footie:
    Mortgage free I: 8th December 2009!
    Mortgage free II: New Year's Eve 2013!
    Mortgage free III: Est. Dec 2021...
  • Cherryfudge
    Cherryfudge Posts: 10,052 Forumite
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    Wow - that was quick! Thank you. Enjoy your cocoa and footie. :)
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration challenge, 2024: Trainers 5 coupons. 5/68
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • julicorn
    julicorn Posts: 2,283 Forumite
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    That was so quick! Thank you pawlala :heart2:
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • jackieblack
    jackieblack Posts: 10,317 Forumite
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    pawlala wrote: »
    Thread / spreadsheet up-to-date. :coffee: :footie:

    That's brilliant! Many thanks :beer:
    2.22kWp Solar PV system installed Oct 2010, Fronius IG20 Inverter, south facing (-5 deg), 30 degree pitch, no shading
    Everything will be alright in the end so, if it’s not yet alright, it means it’s not yet the end
    MFW #4 OPs (offset): 2018 £866.89, 2019 £1322.33, 2020 £1337.07,
    2021 £1250.00, 2022 £1500.00, 2023 £1500
    Target for 2024 (offset) = £1200, YTD £460
    Quidquid Latine dictum sit altum videtur
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