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2022 Mortgage-Free Wannabes

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  • #37 with a December OP of £250, taking me to £2,784.39 for the year
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    anna42hmr said:
    julicorn said:
    Big apologies everyone that it took me this long to update, November completely ran away from me! I blame all this 'trying to move house' malarky :) 

    On the plus side, that means I'm back with a big update: We've just hit the £700k mark! Absolutely amazing work, thank you all so much for posting your updates. Especially well done for those of you who've already hit your target, but even if you're a fair way off, I hope this challenge is still motivating. 

    I'll post the 2023 thread in the next couple of weeks. I hope many of you sign up to next year's challenge as well, it's always a joy to see how much these overpayments all add up. 

    All the best for the final month of the year <3 
    Thats a great progress from everyone fantastic that we have hit the mark, thanks again for running this challenge again and looking forward to signing up for next years one.  
    Yes… (what she said ^^^^) 😁
    🎉🎉


    (Ditto)

    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 £103,594.98
  • smetf
    smetf Posts: 362 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    #35 with a little surveys OP of £7.55
    9992.89 for 2022 to date (391.36 for Dec)
    Emergency fund 13.5k Home/ holiday fund 6.5k Mortgage £45,614
  • # 79 reporting in with £350 for November.
    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 31.07.14
  • ElmoR
    ElmoR Posts: 414 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    Morning all
    Number 45 reporting in with the past few months payments...
    Aug £1324, Sept £1324, Oct £1549, Nov £1674, Dec £1593
    Converted a pay rise straight into bigger payments :smile: 

    Very glad I've been busy squirreling away with these this year, big change in finances foisted upon us this month and not sure what it will do to us going forwards...

    Thank you for keeping us on track julicorn

    ElmoR xx
  • #49 reporting overpayments for the last few months:

    Sept: £100
    Oct: £400
    Nov: £150

    Back in a few days with Decembers overpayment amount…

    Thanks Julicorn x
    Mortgage at Jan 2009 (when house was purchased): £75,000. Mortgage at Jan 2017 (when I was able to start overpaying after 7 year relationship from hell ended): £60,000. Mortgage at April 2025: £16,822
    2025 MFW #70: £1,974 / £4,000.
    Previous Overpayments: 2024: £2,555. 2023: £2,850. 2022: £3,100. 2021: £2,540. 2020: £3,350. 2019: £1,950. 2018: £250. 2017: £500.
    Mortgage freedom can’t come soon enough!
  • smetf
    smetf Posts: 362 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Final OP of the year made today. 7.11 from Prolific - had a good run of surveys on the last few weeks. 
    Brings my Dec OP total to 398.47 and my 2022 OP total to 10k exactly. Chuffed to bits to have done so much better than I thought, extra paid work made a huge difference this year and we've been reasonably frugal in day to day living as less stress and hours means less impulsive buying too.
    Emergency fund 13.5k Home/ holiday fund 6.5k Mortgage £45,614
  • Jessy103
    Jessy103 Posts: 2,246 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Hi,

    No. 12 reporting an overpayment of £775.08 for December.

    Thank you 🙂
    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!
  • Hi Julicorn! 

    Thanks so much for running this challenge. Number 99 checking in with a very small total overpayment for November of £62.61
    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
  • Hello,

    A final payment for the year of £220.33 bringing the annual OP total to £3.001.

    An enormous “Thankyou!” to you, Julicorn, for maintaining this challenge across 2022.

    Wishing everyone all the best for the festive season

    nany thanks 

    MIB x
    MFW2020 #5 £2,000/2,000 MFW2021 #5 £1,850/3,500MFW2022 #5 £3.001/3,000Sep'12 £233,750 Jan'15 £222,329 Dec’21 £139,584 MFiT T4 #24 £48k/£34k MFiT T5 #24 £22,186/£41k MFiT T6 #24 £4,700/£29k
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