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2022 Mortgage-Free Wannabes
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Hi Julicorn
I'm playing catch up
#78
£1000 pm for Aug, Sept and Oct
YTD total £10200MortgageStart Nov 2012 £310,000
Oct 2022 £143,277.74
Reduction £166,722.26
OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
2022 MFW #78 £10200/£12000
MFiT-6 #28 £21,772 /£750002 -
Hi number 105 here with my October OP, can you put me down for my usual £247.94 please, which will take me as a year to date of £2479.40.
many thanks for running the challenge again, and well done all on the OP's to date.MFW#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..2 -
Hi,
No. 12 reporting an overpayment of £135.93 for September and £546.83 for October.
Thanks 🙂Mortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!2 -
#73
A total of £140 for October please Julicorn.
Thank you.2 -
That's great, thank you! You've got #100, nice and roundx_raphael_xx said:julicorn said:
Just let me know your target for the rest of the year, and I'll allocate you a numberx_raphael_xx said:Hello, I would like to tack on for the end of this year please
I would also like peoples advice... Is it better to OP direct onto the mortgage? Or to save a lump sum and pay off at the end of the year?
My plan was to OP as and when we had funds, but someone told me today that we would save more interest by paying off as a lump sum before remortgaging.
I'm going to aim for £1000 op for the rest of the year. I have an expensive November, but going to do my best! 1 -
#22 reporting total overpayments for October came to £633.32Thanks and have a great weekend everyone!
Mortgage free I: 8th December 2009!
Mortgage free II: New Year's Eve 2013!
Mortgage free III: Est. Dec 2021...2 -
Perfect! I love nice round figures.julicorn said:That's great, thank you! You've got #100, nice and round
Debt Free as of 17/01/2009 Turtle Power!!
EF Challenger #3 £1543.72 / £5000
MFW 2024 #100 £1300.00 / £10,000
MFiT #40 Jan 2025 Target - £99,999.00
Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.982 -
#79 Declaring £155 for October. Think that takes me to my planned target
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.142 -
#98 added an extra £200 for October to give me a total of £550
A little behind target but nothing I can't catch up on!Mortgage: £116,060 (Apr 2024)
Initial MF date: Apr 2048
Current MF date: Dec 2044
MFW 2022 #98 £2,2000/£1,800
MFW 2023 #35 £7,510/£7,500
MFW 2024 #24 £1,225/£5,000
MFi3-T6 #41 £21,231/£27,495 (Mortgage Target £110,000)
Weight Loss Q1 24: 5/12lbs2
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