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.
📨 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!
2021 Mortgage-Free Wannabes
Comments
- 
            
 Great to have you on board again - I've bumped you up to #28rugbymadfamily said:Hi Julicorn, thanks so much for setting this up! I was a (very!) late joiner last year at #157, happy to keep that or have a new one, whatever is easiest for you!
 Am aiming for an ambitious 3% of the mortgage in OPs which equates to £10,560....will see how we get on! 1 1
- 
            Hello, i would like to join the 2021 challenge please. If possible can i keep my original number please (105) and my target for next year will be £2,000 please.
 Thanks again for running these challengesMFW#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..1
- 
            Edited - changed to £4,000 target
 Hi Julicorn
 I did some babysteps last year - I was number #150 but am happy to take any number.
 I am aiming for £4,000 overpayments next year.
 Thank you, Sandy
 ps, have revised my target down to £4,000 and will be putting some money aside for a 'car fund'."Think of many things, do one"
 Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
 Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga1
- 
            Hi Julicorn, #113 from last year and would like to join again with 5k target this year and happy with any number. Thanks for running again.Mortgage start date Nov 2014 - £90,545 over 25 years
 Re-mortgage Oct 2017 - 78,295 over 23 years
 Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
 Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!1
- 
            Please can I join? My overpayment target is £6,600 for 2021.1
- 
            Hi Julicorn, Thank you for running this again. I'm #67 but happy for a lower number if that works better. Aiming for a stretch target of £6,000 this year.
 2021 MFW #35: £6000/£60001
- 
            Hi @julicorn; I'd love to take part. Happy to have a new number or keep the same one.
 I think my target for 2021 is £60001
- 
            Hello,
 Please could I register? I don't have a number.
 I'm aiming for £5000 overpayment plus have some little other personal changes I'm going to crack. Excited to get going.
 Many thanks for organising xJan update
 2021 MFW #39 £228.76/£5000
 Current mortgage @ 1/2/2021 £94 900.00
 Mortgage end date Jan 2041. Current OP end date March 2039. Target June 2027.
 2021 Personal savings £1 803.25/£5 880
 2021 Personal Freetrade shares £102.81 (putting £50 per month in - love it!).
 2021 Joint sinking fund £36.83/£500
 2021 Summer holiday fund £330.35/£13501
- 
            Hi, can I join please? New adventures on the horizon, and big plans. But we need to be quite frugal, while still enjoying life!
 I will pop back and edit later with targets.Keep reading books!
 August grocery challenge Budget £150. Spent so far: £98.49. Remaining: £51.511
Confirm your email address to Create Threads and Reply
 
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards

 
         
 
         
 
          
         
