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2019 Mortgage-Free Wannabes

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Comments

  • Suffolk_lass
    Suffolk_lass Posts: 10,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cherryfudge wrote: »
    Nothing pitiful about that - I see you've already shortened your mortgage by two years, which is brilliant. It also equates to up to £8 extra overpayment in terms of interest saved. That's even if you never make another OP. :)

    I love the way you are looking at that - my interest only mortgage payment was rounded up to the next hundred when we started overpaying (paying down the capital) and it was about an £80 monthly capital payment. Up to and including this month that has increased and the interest element decreased so that now the interest part is under £20 a month and the capital over £480
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    500 Posts Third Anniversary Name Dropper Mortgage-free Glee!
    Thanks f0xh0les :D
  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
    1,000 Posts Second Anniversary
    Hi, number 28 here.

    September's overpayment is £380.41

    Hopefully that puts me back on track rather than slightly behind, fortunately lots of overtime this month.

    Thank you.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • utopiah
    utopiah Posts: 316 Forumite
    Part of the Furniture 100 Posts Combo Breaker Mortgage-free Glee!
    #43 £2000 overpayment made today and I'm going to declare myself mortgage free but technically I'm not. I have left £50 on as we would have to pay a whopping £3800 penalty if we clear mortgage before 1/3/2022. We have cleared the mortgage 8 years and 7 months early so feeling pretty chuffed.thanks to everyone on here, you have all been inspirational and supportive with your comments. I wish you all the best on your journeys no matter where you are with it. Xx
    Mortgage free 25/9/2019 8years and 7 months early 😁😁😁
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Massive congratulations utopiah. That must feel amazing. Do you have a diary?

    Thanks
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • teameffort
    teameffort Posts: 134 Forumite
    Ninth Anniversary 100 Posts
    utopiah wrote: »
    #43 £2000 overpayment made today and I'm going to declare myself mortgage free but technically I'm not. I have left £50 on as we would have to pay a whopping £3800 penalty if we clear mortgage before 1/3/2022. We have cleared the mortgage 8 years and 7 months early so feeling pretty chuffed.thanks to everyone on here, you have all been inspirational and supportive with your comments. I wish you all the best on your journeys no matter where you are with it. Xx

    :T:T:T:T:T That's amazing Utopiah!!!!!

    Love seeing everyone achieve their goals, so inspiring
    Emergency fund saved, we did it!!

    2020 #140 MFW £10,250.25/£9,500.00
    2019 #490 MFW £ 9,964.78/£9,600.00
    2018 #143 MFW £ 6,903.63/£6,500.00
    MFW balance as at 31 Dec 19 77,875.00. Original end date 2043 :eek: goal 2023
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    500 Posts Third Anniversary Name Dropper Mortgage-free Glee!
    Congratulations utopiah:j:beer:!!!
  • utopiah
    utopiah Posts: 316 Forumite
    Part of the Furniture 100 Posts Combo Breaker Mortgage-free Glee!
    longway2go wrote: »
    Massive congratulations utopiah. That must feel amazing. Do you have a diary?

    Thanks

    Thank you. I don't have a diary I just have been inspired by so many on here and reading lots of advice and tips throughout this website. I owe everything to moneysavingexpert. I would never have begun the mf journey without it.
    Mortgage free 25/9/2019 8years and 7 months early 😁😁😁
  • Dobbibill
    Dobbibill Posts: 4,194 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Amazing utopiah - well done :j :j :j
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    If you can't be the best -
    Just be better than you were yesterday.
  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Congratulations utopiah! :j :heart2:
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