2020 Mortgage-Free Wannabes

11213151718183

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  • julicorn
    julicorn Posts: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Hello all. This is something I’m thinking about doing but I have a relatively small 0% debt to pay off first.
    I hope to start with £100 a month and then once the other debt is done, add those payment to it.
    Will keep it low initially with a target of £1200 for 2020.

    Now to sit down with hubby and see exactly what we have outstanding and how we can increase the OPs.
    Welcome to the challenge, great to have you on board! You're our #92 :)
    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
  • julicorn
    julicorn Posts: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    lindez wrote: »
    Hi Julicorn
    Thank you for allocating me again this year. If possible can I have a lower number if not I am happy to stay with what has been allocated.
    Thank you.

    Hi lindez, I don't have anything lower available at the moment, because I'm still waiting to see if people want to keep last year's numbers. On the first of January, all the unclaimed numbers will become available though, so if you post again then I'm sure I can give you a lower number.
    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
  • julicorn
    julicorn Posts: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Hi I would like to do this again. Don't care about my number. Goal £6000
    Thanks for taking part again! I've bumped you up to #94.
    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
  • julicorn
    julicorn Posts: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Splatfoot wrote: »
    Hi, I'd like to join please? My goal will be small! I'd like to aim to overpay £600. Thank you
    Welcome to the challenge! Your number is 96.
    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
  • Runders
    Runders Posts: 292 Forumite
    First Anniversary First Post
    Hey Julicorn,
    #May I sign up again please? Currently #109 but happy to move up if easier :) May I please set a starting figure of £3,000. This is going to be a big ask, but I figure worth having something to aim for!! As a sid aim I would really love to be in the 170's by the end of next year, even if it's just £179,999,99!!

    Thanks :)
    MFW Start:[STRIKE] Sep 2014 - £110,844[/STRIKE], July 2019 New Home £190,995 :eek:
    Current: £82,999.69, £190,972.18, £188,091.57, £180,026.25
    2021MFW #97 OP Goal £296.36/£3000
    2020MFW #97 OP Goal £3104.09.09/£3000
    2019MFW #109 OP Goal £1024.99/£1000
  • rkd_999
    rkd_999 Posts: 19 Forumite
    First Anniversary Combo Breaker First Post
    hi, I'd like to join please. I am aiming for £145k currently at £163k.

    thanks :):)
  • Hello - could I join please? Targeting £1400. Thank you!
    MFW: 2020 Challenge #102 - Target £1400 / YTD £95
  • anna42hmr
    anna42hmr Posts: 2,844 Forumite
    Name Dropper First Post First Anniversary
    edited 15 December 2019 at 3:56PM
    hello. I would like to join in again please, i am currently number 105 however will be happy to change the number if it makes it easier for you. (promise i will try to remember the new one lol). I'd like to start with a target of £2,000 this year (as 2020 looks to be an expensive year so may not be able to OP as much as I have in past years of the challenge).

    Many thanks
    MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Target: £1800, £572.15 overpaid as at March so YTD = £355.88 Total OP since mortgage started in 2015 = £34,178.29
  • julicorn
    julicorn Posts: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Runders wrote: »
    Hey Julicorn,
    #May I sign up again please? Currently #109 but happy to move up if easier :) May I please set a starting figure of £3,000. This is going to be a big ask, but I figure worth having something to aim for!! As a sid aim I would really love to be in the 170's by the end of next year, even if it's just £179,999,99!!

    Thanks :)
    Great to have you take part again, Runders! I've moved you up a little bit to #97 :)
    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
  • julicorn
    julicorn Posts: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    rkd_999 wrote: »
    hi, I'd like to join please. I am aiming for £145k currently at £163k.

    thanks :):)
    Welcome to the challenge, you're our #100 :) Could you let me know what you'd like me to track, your total payment (looks like that would be £18,000) or your overpayments (if so, could you let me know the amount)? Most of us find it easiest to log the overpayments, but either is fine :)
    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
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