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2021 Mortgage-Free Wannabes

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  • becky170
    becky170 Posts: 879 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    edited 11 December 2021 at 8:52AM
    Hi, no.7 here. Small overpayment of £7 to report for December. Total for the year stands at £2533 :smile: Not may our target for the year but made a good effort! 

    Thanks for keeping track julicorn! 
    Mortgage-free wannabe 2025 £571/3000
  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    becky170 said:
    Hi, no.7 here. Small overpayment of £7 to report for December. Total for the year stands at £2533 :smile: Not may our target for the year but made a good effort! 

    Thanks for keeping track julicorn! 
    Hi there! Is it possible that I've missed a previous overpayment? I've got the total balance £11 lower. 
  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 11 December 2021 at 10:33PM
    Hi there!

    Haven't updated in a while, so a few months to do please. I'm No.12
    September £263.61
    October £104.55
    November £260.75
    December £104.55

    Thanks

    Take care all x
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • Number 13 here just confirming that there will be no more payments for me this year. Last OP was October, but I have already hit 115% of my target.

    I decided to book Lapland instead.... i know, niot very MSE but the sheer joy on my daughter's face was worth not pay a few grand to the mortgage. Some things are just more important and the last 2 years have taught me how precious life and fun is - we are going all out this year on holiday and presents (all paid cash though :))

    I shall be back in earnest in January on the 2022 thread!

    I wish everyone a peaceful and happy Christmas and a prosperous New Year!

    MM
    x

    Mortgage 1 - 01/2/2015 - £243,750 ; Mortgage 01/11/2024 - £132,576.55
    Mortgage 2 - 2019 - £76,600 ; Mortgage 01/10/2024 - £47,763.29
    MFit-T5 - reduce to £140,000 MFiT-T6 - reduce to £110,000

    01/10/2024 Daily Interest - M1 = £18.27 (!!); M2 = £7.41

    Debt at highest point in 24 -£21,344
    Debt 1st November 24 - £16,192.18 24% paid. Focusing on this in earnest!!!
  • Another £205 overpaid this morning, bringing my December total to £415. (#59)
    Thanks for the updates! ☺️
    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 > £2.64
  • Sandyra
    Sandyra Posts: 293 Forumite
    Tenth Anniversary 100 Posts Name Dropper Cashback Cashier
    #32 back again! 😀
    £300 additional OP for December. Total OP for December is £661.70. Should be back again before Xmas 🎄. Thanks julicorn x

    MFW 2025 #32 £4,926.23/£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 2025 #48 £11,200/£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

  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    No 6 with a cheeky OP of 225.88.
    Is the new spreadsheet open yet? I'd like to keep my number if possible.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • The new one is open if you search for it. 

    Julicorn is keeping us all on track again :)
    Mortgages Oct 2020: £308,283 Jul 2021 £286,600 October 2022 £253,456 MFW-22 #9 MFIT-T6 #35
  • #17 here with overpayment of £423.58 for December. 
    YTD = £1,543.58
    Thanks!
  • Another £210 overpaid just now.
    December total is now £625. (#59)
    Thanks! ☺️
    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 > £2.64
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