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Easter 2025 I’m coming to get you!
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I was originally hoping to be finished around April 27 but now I've got expensive therapy to pay for for my son so savings aren't as available as I'd hoped. Might be more like Sept/Oct 27. There will be my first Help to Save bonus in November which will be going towards it (£600) and I've signed up to do the extra scholarship assessment work over Christmas which should be around £750. That gets paid in March so two nice chunky bits there. Just keep chipping away. I try to get about £600 off it each month which is a combination of the mortgage payment and my over payments.
SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
MFW #21 Mortgage start Dec 2015 £79,950; September 2026 £10,735 2025 OP £2991/£2,000 2026 £3,881/£5,500
MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)3 -
That’s only a year. It will fly by.
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.2 -
Agree with Beanie, it'll be here before you know it! You got this 💪
I've been mortgage free once, so let's do it again!
Starting balance March 26 £191,274.531 -
Had a letter from the bank today. My rate is due to end in December so I can look for a new one. Apparently if I do nothing and go onto the variable rate (about 1.6% higher than I'm on) my payment will DECREASE by £70 a month. My current LTV is 4%!
SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
MFW #21 Mortgage start Dec 2015 £79,950; September 2026 £10,735 2025 OP £2991/£2,000 2026 £3,881/£5,500
MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)3 -
Wooo, that really does show the impact of OP'ing 😀😀😀
Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!1 -
That's incredible, well done 😊
How was your sons return to school?
Current Balance £6000
MFW 2026 #31 £17000 / £23,000 OP
MFIT - T7
Property Fund £15,300 / £20,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £412.75 / £365 (29/09/26)
Declutter 42 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70,July £282.06
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum0 -
Just done a mortgage switch which will be the last one I do. Done the switch from today and the expected payment will reduce by £75.89 per month. Obviously that will go straight back into an over payment but interest free so I'll reap the full benefit. Financially limping along to the month end; house insurance 3 week sweet spot is this weekend and my MOT (with potential work needed on the front brakes) is booked for next Thursday. Did my 10km race last Sunday (PB by 2 mins) but won't be entering anymore until I get paid again!
SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
MFW #21 Mortgage start Dec 2015 £79,950; September 2026 £10,735 2025 OP £2991/£2,000 2026 £3,881/£5,500
MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)4 -
You’ve just reminded me my house insurance is due in October. The renewal came through yesterday and it’s up £60 so I’ll be forced to look again too.
Everything crossed for the MOT!
MFW diary: https://forums.moneysavingexpert.com/discussion/6254913/never-a-good-time-but-here-goes#latest
Original MF date: October 2036 (£81,500)
MF and emergency fund(ed): September 2026.
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