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2020 Mortgage-Free Wannabes
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Hello, #153 reporting with an OP of £1,300. This is my last OP of 2020, taking me to a total OP for 2020 of £9,300.
This is very close to my goal for the year of £10,000 so although I haven't quite met it, I am proud of what I achieved in a challenging year.
See you on the other side on the 2021 challenge. Thanks Julicorn!!!
Mortgage free as of March '25!
£240,000 paid off in 4 years, 8 months and 18 days (July '20-Mar '25)
Mortgage paid off 19 years early.
2025 MFW #40
2025 Goals
Pay off mortgage of £55k for good! - £55k/£55k paid - mortgage free!!!
Keep emergency fund at £10k - £10k/£10k - goal met!
Lose 12 kgs - 3/12 kgs lost so far
Try 1 new activity/experience as a family each month - 0/12 new activities/experiences tried
Decluttering - declutter 500 items from house and outbuildings - 136/500 items so far2 -
hi Julicorn,
#121
I’ve been MIA for a while but still managed a few OPs in the last 6 months. The TTs and just a bit of spare cash and the regular overpayments etc really does add up. The total for the last 6 months is £1674.79!! So pleased as I didn’t even realise!Happy new year!MFW #1212 -
Just wanted to say well done again for all the fantastic overpayments this year! We're currently on just over £888k, which is an amazing amount given how tricky it has been for many of us9
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Hello all
#49 checking in with my tenth and final overpayment of the year of £2,000 - this is my second overpayment for December.
Stats: Jan: £150/Feb: £150/Mar: £150/Jul: £150/Aug: £150/Sept: £150/Oct: £150/Nov: £150/Dec: £150/Dec: £2,000
I had a moment of madness, and decided to take £2,000 from my savings and use it to make an overpayment. Wrongly or rightly, it's now done, and I've reached and passed my original target that I set myself for 2020.
Thank you to Julicorn for running the challenge this year, and a Happy New Year to all.
Take care,
CS x
Mortgage at Jan 2009 (when house was purchased): £75,000. Mortgage at Jan 2017 (when I was able to start overpaying after 7 year relationship from hell ended): £60,000. Mortgage at April 2025: £16,822
2025 MFW #70: £1,974 / £4,000.
Previous Overpayments: 2024: £2,555. 2023: £2,850. 2022: £3,100. 2021: £2,540. 2020: £3,350. 2019: £1,950. 2018: £250. 2017: £500.
Mortgage freedom can’t come soon enough!6 -
#79
Updating overpayments for last two months.
November = £800
December = £826.50
Thank you julicorn.
Happy New Year everyone!2 -
#93 - another £20 overpayment, taking me to £90 for December. 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 > £2.642 -
#112 here for the first time since the summer. I've made an OP of £1013.21 in December to round up to my target. Should be at £2500 for the year now
Apologies for doing it last minute!2019 MFW #118: 9474/4000 | 2020 MFW #112: 2500/2500 | 2021 MFW #21: 1890/1920 | 2022 MFW #NA: 2180/1920 | 2025 rebuilding emergency fund: 2500/90002 -
Hi
number 105 here with my final OP of the year, my usual monthly OP of £215.26 so year to date of £2583.12.
well done everyone for this years challenge and good luck for 2021's.
Thanks again for running the challenge, it is much appreciatedMFW#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 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..2 -
Hi, number 134 with a payment of £2000 for December. Thank you so much Julicorn for running this challenge - its certainly made me stay on track and beat my original goal2
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