2022 Mortgage-Free Wannabes

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  • julicorn
    julicorn Posts: 2,283 Forumite
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    Shal1160 said:
    Hi Juliecorn
    I'd love to take part again this year, was previously #44 but happy to have a different number if easier. My target for 2022 is £1000 overpayment as lots of changes expected to come. Many thanks for doing this again :smile:
    Thanks for coming along again, I've moved you up a little bit to #36. :)
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • julicorn
    julicorn Posts: 2,283 Forumite
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    Hetta said:
    Hi @julicorn,

    Thank you so much for running this year on year. 

    I’d like to join again after having a break last year. My target for 2022 is £15,000. 

    Thank you. 😊
    Great to have you back! You've got #38 for 2022. 
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • chicker
    chicker Posts: 142 Forumite
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    Hi Julicorn,

    Could I join please with a target of £1200?

    Thanks, Chicker
    MFW diary Adventures and Overpayments

    Mortgage start: £240,945 Aug 2020
    Mortgage now:     £230,738
    2021 OP total:     £605.85   1 month off approx

    MFW 2022 #39  £135.68/£1200
  • julicorn
    julicorn Posts: 2,283 Forumite
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    chicker said:
    Hi Julicorn,

    Could I join please with a target of £1200?

    Thanks, Chicker
    Of course, welcome on board! You've got #39.
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • kitjos
    kitjos Posts: 223 Forumite
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    Oh amazing!! Thank you for doing it again Julicorn  o:).

    Any number going, with an OP target of £2000 please.

    Thanks so much for the 2021 thread  <3 xx
    "Don't underestimate the value of financial security"


    Wanting to be mortgage free by 45. £155,000 start / £86,880 currently

  • julicorn
    julicorn Posts: 2,283 Forumite
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    kitjos said:
    Oh amazing!! Thank you for doing it again Julicorn  o:).

    Any number going, with an OP target of £2000 please.

    Thanks so much for the 2021 thread  <3 xx
    No worries at all <3 I've moved you up to #41.
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • LadyWithAPlan
    LadyWithAPlan Posts: 2,242 Forumite
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    I am a lurker on here so can I join please for 2022, 
    I am saving for the house deposit then maybe mid year I will need to switch the goal over to OP once I have finally bought. 
    My initial goal though is £33,000 saved in 2022 if I don't buy, its a huge goal but i have very low expenses at present and a great income so it is doable. 
    There will always be a (beautiful stilettoed) foot in fabulous in LaPlan's life.
    I am choosing to be fabulously frugal to support some wonderful life changing and affirming financial goals including buying a London home I love.

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things. You can’t really hack your way to frugal. You can and should take advantage of discounts, coupons, rewards points, and the like. But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.

    My March  streaks to track
    Track Minimalist game  items (Nov 310)   (Dec  95)  (Jan 90)   Feb 50
    Exercise streak  
    YNAB days:: Target 50 days -Age of money 29
    Track my NSD's - Target 13 days/ 0/13

    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • julicorn
    julicorn Posts: 2,283 Forumite
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    LadyWithAPlan said:
    I am a lurker on here so can I join please for 2022, 
    I am saving for the house deposit then maybe mid year I will need to switch the goal over to OP once I have finally bought. 
    My initial goal though is £33,000 saved in 2022 if I don't buy, its a huge goal but i have very low expenses at present and a great income so it is doable. 
    Sounds like a great plan, welcome to the challenge :) You've got #44.
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £217,800 minus £8,300 overpayment savings pot
  • Nichelette
    Nichelette Posts: 2,090 Forumite
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    Hi Julicorn, thanks for running again 🌟! I'm sure everyone appreciates the time you give up to do this. 

    Can I please keep no 86. Am going to go for 5k this year but it's a bit of a stab in the dark because we'll be paying for childcare from May which will have a huge impact on our ability to overpay, and I'm not sure exactly what we'll have left :(. We're hoping to move to a bigger place in 2 years when our fix comes to an end so the more we can overpay the better. 
    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £207,243.66
    Overpayments since 27.03.19: £46,161.46
  • Jessy103
    Jessy103 Posts: 1,839 Forumite
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    Hi julicorn, thanks for running this again.

    Please could I keep my no. 12 and my target for 2022 is £5,000

    Thanks x
    Mortgage Balance as of Jan 24 £36,500 Starting Mortgage Balance (June 2019) £72,000. 2024 Overpayment Challenge: Jan £558.40, Feb £588.11, Mar £497.32
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