We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2022 Mortgage-Free Wannabes
Options
Comments
-
Hi, number 105 here with my final OP of 2022, £247.94 please for December, so will take me to £2975.28 as a year total.
well done everyone on this years challenge, and good luck for next years, thank you again Julicorn for running the challengeMFW#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..1 -
x_raphael_xx said:
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!
£750 for Dec
Which brings my total to £1000. Bang on target
I assume there will be a new thread for 2023?
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 £103,594.981 -
#49 reporting an overpayment for December of £1,150, which takes my total overpayments for 2022 to £3,100, which exceeds my target for this year, which was £2,500
Thanks so much for running this challenge Julicorn - see you all again next year! 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 -
No. 8 here: another £233.65 overpaid in December taking December overpayment total to £329.53
@julicorn- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
1 -
#10 checking in with another overpayment for December of £2,000, bringing my total for the month to £4,000.
Thanks, julicorn.Original mortgage: £278,827 (September 2018)
Current mortgage: £0 (15.07.2023)
Original mortgage-free date: September 2033
Current mortgage-free date: July 2023
MFW 2023 #10: £28,909.64/£25,0001 -
Hi all, I've updated the spreadsheet just now - well done on your progress, whether you're on track to hit your goal this year or not. Remember, every little helps!
If you've found this challenge helpful and motivating, then please join us again for the 2023 MFWIt would be great to have you all on board again. Please comment in the 2023 thread for anything to do with next year's challenge (e.g. if you want to keep your number), it gets a bit tricky to keep track of things otherwise.
6 -
Thanks for sorting this out @julicorn it's so good to see so many people reaching their targets!
Last update for #30 - £100 in December - YTD £2400
Thanks
Aiming for mortgage free by September 2030
Balance 1.1.20 - £69,701.80
Balance 1.1.21 - £63,699.80
Balance 1.1.22 - £57,762.80
Balance 1.1.23 - £53,074.20
Balance 1.1.24 - £47,902.00
Balance 1.1.25 - £44,141.20
over payments 2025 = £1,390/£1,500 /// invested 2025 = £900/£1,500 = TOTAL (YTD) £2,290/£3,0001 -
#52 with an additional December OP if £50 (total for month £580.02)
That should take me just over target for the year
Thanks xMortgage Aug 2019- £180000
Aug 20- £173815
Aug 21- £159800
Aug 22- £146000
Aug 23- ?
Aug 24 (end of fix)- ?
Currently- £136400
original mortgage free date August 2044
Aiming for 2037
MFW 2023 #241 -
#71 checking in with my final OP of the year. I forgot to add Novembers overpayment on here but finally hit my target today with a final overpayment of £1350, which added to Novembers £150 overpayment is £1500 😁MFW 2022 #71 £4400/£44001
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards