2019 Mortgage-Free Wannabes

A_Frayed_Knot

Hi julicorn

No #27 can be re-allocated for next year as well best wishes to whoever is allocated this lucky no :T

Might be looking for a number for savings next year, will wait and see.

mmmsnow

rosiest wrote: »

I've heard of some people having their own overpayment spreadsheet. does a gone have one they could share ?

My own mortgage spreadsheet is very messy and set up with about ten different scenarios so here's a simplified version for 2019:

https://www.dropbox.com/s/86lnl4z01f698zu/Overpay.xlsx?dl=0

You can edit everything in red and it'll spit out the interest you've saved over the course of the year.

cod3

Hi Julicorn

Thank you for volunteering to maintain the spreadsheet.

Could I please keep #53 for 2019? Target to be confirmed (will be 10% of whatever my balance is at the beginning of the year)

Kittenkirst

Hiya Kittenkirst #20 and definitely in for 2019- just working out my target and will update soon.

Thanks for setting us up Juliecorn

Cherryfudge

Thanks for adding me, Julicorn.

beanielou wrote: »

Count me out for next year.
My number was 144.

Going to miss you, Beanie. Hope you manage a bit of an overpayment this coming year but even if you don't you've already reduced your total mortgage outgoings, which is well worth doing!

bunty109

Can I please join and retain #24? Target will be £20,000 (quite a challenge, but up for it!)

The_Only_Girl

Hi all, I’ve been in the DFW for 3 years but it’s my first time to be in MFW. I would like to join in the 2019 challenge please?

Our mortgage as of December 2018 is £73887.51 with 15 years and 5 months remaining term, a minimum payment of £510.14 at 3.24% interest. We are tied to this mortgage until 2023 and can only make limited overpayments (up to 10%).

Our target for 2019 is to make a total payment of £10000, or £3800 in overpayments. We are also currently saving up some house renovation funds for 2019 and 2020.

julicorn

bunty109 wrote: »

Can I please join and retain #24? Target will be £20,000 (quite a challenge, but up for it!)

Sure thing! Also means that bunty and bounty are spreadsheet neighbours.

The_Only_Girl wrote: »

Hi all, I’ve been in the DFW for 3 years but it’s my first time to be in MFW. I would like to join in the 2019 challenge please?

Our mortgage as of December 2018 is £73887.51 with 15 years and 5 months remaining term, a minimum payment of £510.14 at 3.24% interest. We are tied to this mortgage until 2023 and can only make limited overpayments (up to 10%).

Our target for 2019 is to make a total payment of £10000, or £3800 in overpayments. We are also currently saving up some house renovation funds for 2019 and 2020.

Welcome #27! :j

chunkytfg

mmmsnow wrote: »

My own mortgage spreadsheet is very messy and set up with about ten different scenarios so here's a simplified version for 2019:

https://www.dropbox.com/s/86lnl4z01f698zu/Overpay.xlsx?dl=0

You can edit everything in red and it'll spit out the interest you've saved over the course of the year.

Thats Awesome thanks for that:money::money:

The_Only_Girl

julicorn wrote: »

Welcome #27! :j

Thanks for letting me join!