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1% challenge 2020
Comments
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£103.39 paid off from an energy refund.2
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I paid off another £1220 today! I cashed in an isa, I have an emergency fund and 3 months wages put by so anything else I’ve cashed out and throwing it at debt.£2875 to go, starting balance £14202
79% paid off!!2025 Mortgage start £378K 2025 Overpayment £103 Savings Challenge 2025 **MONEY MAKES ME HAPPY**2 -
£24.16 paid off today from refund1
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£62.50 paid off from Facebook sales1
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Taking advantage of the council tax free month to chuck some pennies towards other projects
paid today: £100
paid (cumulative): £361/£642 (56%)
remaining: £281
know thyselfNid wy'n gofyn bywyd moethus...1 -
I thought I'd joined the thread already - targeting £1450 this year - £215 OP so far. We have managed to halve our broadband bill so putting that £21 extra towards the mortgage from March onwards.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20282 -
£28.25 paid today to round down the mortgage balance. 17.15% of target achieved.
Debt Busting Again in 2026
Starting Debt 03.05.26 £5345. Total 01.10.26 £2994
Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26
Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26
Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, current total 01.10.26 £344
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£24.17 paid off from refunds3
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Monthly payment came out today for my loan so that takes me to 81% paid off my total debt.
£2675 to go until I’m debt free!2025 Mortgage start £378K 2025 Overpayment £103 Savings Challenge 2025 **MONEY MAKES ME HAPPY**3 -
Hi, I'm joining the challenge as it looks realistic to me! My mortgage is approx £203K currently. To make it fun and easy to remember, I'll set the target at £2020. Cheers and good luck to us all!
Mortgage over-payments 2020 target: £2,020
Mortgage over-payments 2020 YTD: £394 (19.5% of target)1% mortgage over-payment challenge 2020: target £2,020 | over-paid YTD: £410.95 (20.3% of target)2
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