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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
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jackieblack said: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
🎉🎉(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 £103,594.980 -
#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- MFW 2022 #35 10,000
- MFW 2023 #3 10358.97
- MFW 2024 #3 10000
- MFW 2025 #3 6945.69/10000
- MFW 2024 #3 10000
- MFW 2023 #3 10358.97
1 - MFW 2022 #35 10,000
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# 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 31.07.141 -
Morning allNumber 45 reporting in with the past few months payments...Aug £1324, Sept £1324, Oct £1549, Nov £1674, Dec £1593Converted a pay rise straight into bigger paymentsVery 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 julicornElmoR xx1
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#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 xMortgage 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!1 -
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- MFW 2022 #35 10,000
- MFW 2023 #3 10358.97
- MFW 2024 #3 10000
- MFW 2025 #3 6945.69/10000
- MFW 2024 #3 10000
- MFW 2023 #3 10358.97
1 - MFW 2022 #35 10,000
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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!1 -
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: 15/06/20231 -
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 xMFW2020 #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/£29k1
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