2022 Mortgage-Free Wannabes

145791099

Comments

  • Barny1979
    Barny1979 Posts: 7,921 Forumite
    Name Dropper First Anniversary First Post
    Hi, I’d like to take part again, I was #43 in 2021, aiming for a big £10,000 Overpayment for 2022.
  • Hi, I would like to take part again for 2022. I was #133 last year. 

    Please can you put me down for £1296.

    Thanks 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
  • twinklie
    twinklie Posts: 5,052 Forumite
    Name Dropper First Anniversary First Post
    edited 21 December 2021 at 11:38AM
    No. 6 - I'd like to keep my number and more than double my target to £2,020. It's ambitious for me. But lets see if I can make it happen. It would be 1% of the outstanding value. 
    Reduction in daily mortgage interest since October 23 - £0.31 (started new mortgage)
    % of house owned/% of mortgage paid off. December 23 - 32.30%/24.54%
    MFiT-T6 #5
    MFW 2024 #6
    MF Date: Oct 37 May 37
  • Hi Julicorn, I was #84 last year but happy with a new number if it helps plug a gap on the spreadsheet!

    Please can you put me down for a target of £18,000 in 2022. Many thanks for this Julicorn, can't believe it's 10 years running now.

    Original mortgage total: £250,000 (Feb 2019)   
    Current mortgage total: £88,000 (Jan 2024)
    Planned mortgage end date: Feb 2044
    Mortgage free start date: 13th July 2020


    https://forums.moneysavingexpert.com/discussion/6168574/quest-for-mortgage-freedom#latest 
    2023 MFW #40
    MFiT-T6 #16

    Goals for 2024
    1. Health: increasing our fruit and vegetable intake and reducing our UPF intake as a family.
    2. Getting out and about: doing an 'activity' as a family, once a week to begin with, building up to 2 times a week in April '24 and 3 times a week in July '24.
    3. Physical exercise: some sort of short physical exertion regularly to improve my health. Start with 3 times a week, build up to 4 times a week in April '24 and 5 times a week in July '24.
    4. Decluttering: a) declutter the garage, outhouses, garden and attic, b) keep on top of the toys, books and clothes&shoes by continuing the '1 in, 1 out' approach.
    5. Financial: a) make mortgage OPs totalling £6k in 2024 on our new outstanding mortgage of £88k, b) keep emergency fund around £10k and top up as required.
  • ruby_eskimo
    ruby_eskimo Posts: 4,527 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
    Hi Everyone!  @julicorn I'd love to join in again, was #77 last year but happy to plug a gap in the spreadsheet if needed.  Want to aim for £5000 which is doubling our target from last year and I really think we can actually do it this time!
    Emergency Fund - £7992.62 / £10,000 :: Total Mortgage OP - £34,692
    LISA 24/25 - £0 / £4000 :: NSD 2024 - 13 / 180 :: Moving Fund: £838.83 :: Decluttering - 143 / 365
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • starnac
    starnac Posts: 5,917 Forumite
    Name Dropper Photogenic First Post First Anniversary
    Hi Julicorn, Please could I join? I would like to overpay my mortgage by £2000 this year please? Thank you
    Goals for September
    Declutter 10/20
    Money Made £56.52/£200
    Overpayments £0/£200 not this month as need to put into savings instead
  • julicorn
    julicorn Posts: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    I've been lurking on the previous year's thread waiting for our move and it's finally gone through!

    I'd like to join for 2022 with a target of £1400, please
    Congratulations on your move, and welcome to the challenge! You've got #46.
    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: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Hi julicorn,

    I'd love to join please! I'm new to the challenge and am going to aim for £6,000 for the year, eek. Might end up being a super ambitious target but we'll see!
    Welcome to the challenge, great to have you on board! You've got #48.
    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: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Hi Julicorn, thanks for doing this again. #30 from this year and happy to keep same number. Target is £5491 for this year. Thanks
    Hi Bargainhunter! Is it ok if I give you #50 this year? I only held the numbers with recent overpayments (I can see now that you simply hit your target nice and early - hope the change in number is not too much of a problem). 
    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: 2,281 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Can I rejoin please? Having the tracker and boards has kept me really motivated to reach my target this year. 🙌🏻
    Happy to keep the same number as this year or to move up if there's space.
    I'd like to up my aim slightly for 2022 with a £12000 target. 🤞🏻
    Thanks so much for running this. ☺️
    Great to have you on board again! I've kept the number the same as last year, there wasn't anything much lower free <3 
    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
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