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2020 Mortgage-Free Wannabes
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#150 here yet again. I made another £20 payment this afternoon. Mr Shores had a bit of overtime today, so divvied it up amongst the savings accounts. Can't believe there's been a total of £80 overpaid already by us. I need to get my online account sorted so I can see what difference has been made (I know it won't be much but it must have brought our MFD at least 1 day closer
"Think of many things, do one"
Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga4 -
It's a magic snowball - that is £80 capital you will never have to pay interest onSandyShores said:#150 here yet again. I made another £20 payment this afternoon. Mr Shores had a bit of overtime today, so divvied it up amongst the savings accounts. Can't believe there's been a total of £80 overpaid already by us. I need to get my online account sorted so I can see what difference has been made (I know it won't be much but it must have brought our MFD at least 1 day closerSave £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
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 in 2026 discussion thread
My keep within our budget diary is here4 -
Thanks Suffolk_lass I never thought of it like that. "Think of many things, do one"
Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga3 -
Hi,
No.86 here. Can I please add £669.46 to November.
Thanks
Finally bought a homeStarting mortgage £289,500 31.01.19 - Current outstanding £189,116.67Overpayments since 27.03.19: £53,969.12Moving fund so far £3000 - Premium bonds £9,500Food spend £255.04/£30004 -
#32. £200 additional OP for November making it a grand total of £1093.82. Thanks julicorn x
MFW 2026 #32 £XXXX/£6,000; MFW 2025 #32 £9,594.51/£3,000; MFW 2024 #32 £4,217.84/£3,000; MFW 2023 #32 £5,238.84/£4,000; MFW 2022 #32 £8,246.43/£8,000; MFW 2021 #32 £8,982.73/£8,000; MFW 2020 #32 £12,000/£6,000
Save £12k in 2026 #32 £XXXX/£18,000; Save £12k in 2025 #48 £20,000/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000
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Hi No 80 here with an update for the past few months:
Oct Total - £100
Nov total - £1450
Thank you so much!!
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#93 here with another £10 overpayment - taking me to £220 for November.
Thanks for updating. 😊Original mortgage total: £140,000.00 (July 2015) Original mortgage end date: June 2040
Mortgage free start date: 16th October 2018 Mortgage total at this point: £132,829.12
Current mortgage total: £54,762.71 Current mortgage end date: June 2032 Daily interest: £7.59 > £2.644 -
@OhtobeMortgageFree I hope the extended walking with your 2yo is going well? I contacted my Building Society to ask how much I had left of my overpayment allowance for the year and they were unable to provide me with an accurate amount as I have paid in so many small amounts. I've transferred in almost daily amounts of anything between £1.70 to £2.50 which I've saved on travel and vending machine avoidance. It's all too much for them to count and they are going to answer my query in writing! Looking after the pennies and the pounds take care of themselves, without a doubt.4
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Hello all,
#133 here with Novembers OP of £22.97. Thanks all.MFW - #133 - 2020 Challenge - £1230.67 / £1159
MFW - #133 - 2021 Challenge - £1328 / £1270
MFW #56 - 2022 Challenge - £325.35 / £1296
Mortgage began Jan 2019 - £115,900
Mortgage Currently - £105,1603 -
Is a MFW 2021 challenge set up yet? Would like to join in please 🙂1
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