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2022 Mortgage-Free Wannabes

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  • pinknsparkly
    pinknsparkly Posts: 545 Forumite
    Ninth Anniversary 500 Posts Name Dropper

    Hi Julicorn,


    number 99 checking in with a total overpayment of £140.94 for October.


    Many thanks!

    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: 15/06/2023
  • jennystarpepper
    jennystarpepper Posts: 799 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    16   -    £437.77 for October please. 

    Many thanks julicorn.
    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

  • Sandyra
    Sandyra Posts: 293 Forumite
    Tenth Anniversary 100 Posts Name Dropper Cashback Cashier
    #32 back for November OP £685.15, thanks Julicorn x

    MFW 2025 #32 £4,926.23/£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 £11,200/£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

  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi julicorn,

    No 70 with an OP of £280 for November.  Thank you.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • IAAM
    IAAM Posts: 95 Forumite
    Seventh Anniversary 10 Posts Name Dropper Combo Breaker
    Hi Julicorn

    Please can I join? My target for the remainder of this year is £538 and then I'll work out a target for 2023.

    Thank you!
    Mortgage Balance: £162,615.84 (December 2022); £163,945 (November 2022)
    Current MF date: Feb 2032.  (Previously: Jan 2033)

    Target MF date: May 2027
    (Overpayments needed to achieve this: £1,750pm!) 

    Joint spend: £391.09 (Nov)
  • Martas
    Martas Posts: 36 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    So nice to see new people joining the challenge even though it's about to finish soon. It's very inspirational and shows that the time to start overpaying/saving is now and not next month or next year. Well done everyone!
    We took £83795 mortgage in June 2018
    Left to pay on mortgage: £51821.20
    Original end date: June 2037
    Now: September 2033
    Target: pay off by December 2025
    Mortgage Free Wannabe 2022 #90 £13000/£11000
    Mortgage Free Wannabe 2023 #42 £999/£13000 no overpayments until 20.06.2023 when my overpayment allowance renews
    MFi3-T6 #42 January 2022 £70915, to reduce mortgage to £17000 by January 2025
    Love people and use things because the opposite never works
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    44 - despite some savings as I have a S&S isa thats collapsing still so I have gone backwards in October   - £708 

    Not stressed as the markets will bounce back and I am still saving for deposit 
    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 and should take advantage of discounts.... 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.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • smetf
    smetf Posts: 362 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    edited 1 November 2022 at 5:59PM
    Hi Julicorn,
    First Nov OP of £383.81 made.
    Went to update sig and it took me back to a pre July sig - very weird but all up to date now!
    Emergency fund 13.5k Home/ holiday fund 6.5k Mortgage £45,614
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    smetf said:
    Hi Julicorn,
    First Nov OP of £383.81 made.
    Went to update sig and it took me back to a pre July sig - very weird but all up to date now!

    Mine keeps reverting to previous ones too.  I thought I was going crazy but maybe not!!!
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    #27 with £140 for November please Julicorn 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


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