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2019 Mortgage-Free Wannabes

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  • iquit
    iquit Posts: 1,939 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 30 April 2019 at 12:42AM
    Hello everyone, we're a third of the year in and doing pretty well on our overpayments.

    No. 74 with April OP of £3350.

    Julicorn, I just had a look at the spreadsheet and it seems you've already filled in my April so no need for you to do anything with this update. Many thanks.

    Ooopppss - Just went back over my submissions and realised I had caused the issue. Sorry Julicorn, I reported March OP twice and updated my signature twice :doh::doh:
    2019 MFW No. 74 £13700/£30000 (45.66%)
    12k in 2018 No. 98 £6274.19/£18000 (34.85%)
    BTL (start) £97440.00 (current) £68000.00
    Residential (start) £275000.00 (current) £268000.00
  • Cherryfudge
    Cherryfudge Posts: 13,359 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    #30 total for April £194.15.
    Thanks Julicorn :)
    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 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Gingeraffe
    Gingeraffe Posts: 9 Forumite
    Can I make overpayments on my husbands apartment on his behalf?
  • Dobbibill
    Dobbibill Posts: 4,194 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Gingeraffe wrote: »
    Can I make overpayments on my husbands apartment on his behalf?


    Your OH will need to check this. Some allow unlimited OPs, some have restrictions like a max of 10% etc.

    If the mortgage allows this, then physically you can do it, you just won't get any acknowledgement of the payment, he will.
    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.

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  • lincoln-potter
    lincoln-potter Posts: 939 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    £41,000 just paid which brings my mortgage to a close.

    I am now mortgage free!

    Mortgage free - 01/05/2019, mortgage high £200k 2011
  • pinknsparkly
    pinknsparkly Posts: 545 Forumite
    Ninth Anniversary 500 Posts Name Dropper
    edited 30 April 2019 at 1:25PM
    CONGRATULATIONS Lincoln! That must feel incredible!!!!

    #99 reporting in with a total overpayment in April of £645.28
    MFW2023 challenge #99: £1090.11 / £1,000 MFiT-T6 (Jan 2022 - Jan 2025) challenge #99: Reduce mortgage to £400,000. Current balance = £413,551.19 Initial MF date (23rd Aug 2022): Sep 2051 Current MF date: Jul 2051 Last updated: 15/06/2023
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Seventh Anniversary 100 Posts Name Dropper
    No. 40 checking in to report another OP of £3500 taking my YTD total to £18950 which means my mortgage is now gone :beer: I don’t think it’s quite sunk in yet!
  • erin_transport
    erin_transport Posts: 964 Forumite
    Part of the Furniture 500 Posts
    Hi
    Final £20 to mortgage over payment this month.
    #138
    Will try for more next month
    Thanks
    On a mission!

    2018 & 2019 MFW #138

    On babystep2 (#DR)
  • Suffolk_lass
    Suffolk_lass Posts: 10,324 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    lincoln-potter wrote: »
    £41,000 just paid which brings my mortgage to a close.

    I am now mortgage free!

    :T:T:T:T:T:T:beer::j:j:j:j
    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
  • ElmoR
    ElmoR Posts: 414 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    edited 30 April 2019 at 2:38PM
    :T:T:T:T:T:j:j:j:j:j to add to those from Suffolk Lass!! Amazing news.


    Number 125 here with a total O/P of £1675 for April.


    Keep on chipping....(to tune of keep on swimming...):)
    ElmoR
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