We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

2021 Mortgage-Free Wannabes

1…139140142144145

Comments

  • Bored
    Bored Posts: 390 Forumite
    Part of the Furniture 100 Posts Name Dropper Debt-free and Proud!
    edited 20 December 2021 at 4:38PM
    Final overpayment of the year is £500 (#123). I think I've missed my target but I had an unexpected £2000 repair bill in November so it can't be helped.
    2023 Mortgage-Free Wannabe #19: £11,675.68/£13,000
    Mortgage Overpayment Total: £22,397.1
  • regularsaver
    regularsaver Posts: 156 Forumite
    Eighth Anniversary 100 Posts Name Dropper
    #133 here with Decembers OP of £109.11.

    Thankyou and Merry Christmas! 
    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            - £105,160
  • eat_that_frog
    eat_that_frog Posts: 269 Forumite
    Fifth Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    Hi Julicorn, #84 with an overpayment of £2100 please.

    Thanks and Happy Christmas! :)
    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.

    2026 MFW #8

    2026 Goals

    Save £6k for future house redecorating - £0/£6k
    Lose 12lbs - 0lbs/12lbs lost so far
    Decluttering - declutter 250 items from house and outbuildings - 0/250 items
  • powerspowers
    powerspowers Posts: 1,371 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    #76 with £35 please Julicorn, giving a total for December of £285
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £3,600/£5,000


  • SandyShores
    SandyShores Posts: 2,017 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Number 29, just paid another £81.

    I don't know if I will make my target this year, but I've a few days left to try.
    "Think of many things, do one"
    Mortgage 30Jan'26 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
    Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga 

  • Bored
    Bored Posts: 390 Forumite
    Part of the Furniture 100 Posts Name Dropper Debt-free and Proud!
    Decided to throw an extra £200 at the mortgage to get me into the next LTV bracket before a product switch. Total for December is now £700 (#123).
    2023 Mortgage-Free Wannabe #19: £11,675.68/£13,000
    Mortgage Overpayment Total: £22,397.1
  • julicorn
    julicorn Posts: 2,665 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Porridgecat said:
    Hi Julicorn, Porridgecat no 95 here. We've just paid £12 184.25 into our mortgage account thereby paying it off completely including the final fee. Hopefully when I check it online tomorrow it should show a nice zero in the balance. The rate rise (although very small) was the final incentive so we juggled some savings and have got rid 5 years and 11 months early.  Our best Christmas present ever. 
    Absolutely fantastic news, congratulations Porridgecat! What a wonderful Christmas present to yourselves <3 
  • FtbDreaming
    FtbDreaming Posts: 1,128 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    #26 I made very tiny op of £11.63 for November and £7.06 for December 
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
  • Gaffs_gaff
    Gaffs_gaff Posts: 21 Forumite
    Second Anniversary 10 Posts Name Dropper
    Hi Julicorn,

    #54 here. Please put me down for a December overpayment of £420.

    Thank you and I hope you have a lovely Christmas x
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 260K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture