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2022 Mortgage-Free Wannabes
Comments
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Good morning, and thank you all for your patience with the updates this month - I'm back from holiday now, and pleased to report that the sheet is up to date, we've cracked the quarter-of-a-million-pound mark, and there's been some truly fantastic overpayments this month!
4 -
Hi Julicorn,
number 99, reporting in with total overpayments of £172.34 for April and £273.64 for May
Thanks so much, as ever, for running such a great challenge!MFW2023 challenge #99: £1090.11 / £1,000 MFiT-T6 (Jan 2022 - Jan 2025) challenge #99: Reduce mortgage to £400,000. Current balance = £413,551.19 Initial MF date (23rd Aug 2022): Sep 2051 Current MF date: Jul 2051 Last updated: 15/06/20231 -
#88 with a final May overpayment of £85, taking the total for May to £340.
Keep up the great work everyone!MFW 2022 #88: £6620/£6000
MFW 2023 #38: £13242.13/£6000
MFW 2024 #38: £15792.12./£9000
MFW 2025 #38: £15241.92/£7500
Thank you to all competition posters1 -
MFW - 01.10.21 £63761 01.10.22 £50962 01.10.23 £39979 01.10.24 £27815. 01.01.25. £17538
01.03.25 £14794. 01.04.25 £12888
01.05.25. £11805. 12.05.25 £9997 05.06.25 £8898.
01.07.25. £7975 01.08.25 £6968 01.09.25 £5956. 01.10.25 £4979
01.12.25 £28991 -
#58 checking in with an overpayment of £7k in May. This takes me to my 2022 goal of £18000 and maxes out my 10% mortgage overpayment allowance
Thanks so much Julicorn!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 items1 -
#10 with a final OP for May yesterday of £8,000 (total for May £24,000) and a first OP for June of £8,000 - that will be the last of the big payments for now.
Thanks for updating, julicorn. I'm not sure if you saw my question last week about upping my target, but would it be possible to update it to £45,000 in the spreadsheet? Thank you!Original mortgage: £278,827 (September 2018)
Current mortgage: £0 (15.07.2023)
Original mortgage-free date: September 2033
Current mortgage-free date: July 2023
MFW 2023 #10: £28,909.64/£25,0001 -
Hi julicorn, No 70 with an OP of £280 for June. Thanks
MFW 2025 No. 7 £2731.07/£2700
MFiT-T7 No. 6 £5515.91/£30,0001 -
#14 with first overpayment of £25.88 for May. Total for 2022 = £8,696.17
Thanks @julicorn- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
1 -
Hi Juliecorn and all
#36 checking in with a £150 o/p for June happy to be able to still overpay for now, even if things are getting tougher and it might not be possible in the future Mortgage start: Sept 2018 £140,000 (30 years) Sept 2020: £129,131
Sept 2021: £121,000 (remortgaged for 22 years), Sept 2022: £111,009, Sept 2023: £101,700, Sept 2024: £94,405, Sept 2025: £85,470
Current: £83,770 (Dec 25)
MFW 2025 #29
MFW 2026 #20
Just keep swimming1 -
#32 here with June OP of £477.99 I’ll be back with a top up in a few weeks. Thanks Julicorn x
MFW 2025 #32 £8,673.16/£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 £19,400/£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
1
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