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The Mortgage Free in Three - Take 6 challenge (MFiT-T6)

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  • #17’s update for January submitted 😊
    MFiT-T7 #17 (Jan 2025) £193k (Apr) £177k (July) £
    SPC 18 #6 £315.70(04/08/25)

    SPC’s (1)£27.19 (2)£728 (3)£1471 (4)£357 (5)£435.18 (6)£1114.92 (7)£1492 (8)£392 (9)£1952 (10)£1866.65 (11)£1177.74 (12)£1445.39 (13)£1608 (14)£603.30 (15)£672 (16)£2563 (17)£1300 (18)£
  • Update from #2  - i thought I had submitted it but i dont think I have having checked the table. 

    Many thanks for running @julicorn

    MM x
    Mortgage 1 - 01/2/2015 - £243,750 ; Mortgage 01/11/2024 - £132,576.55
    Mortgage 2 - 2019 - £76,600 ; Mortgage 01/10/2024 - £47,763.29
    MFit-T5 - reduce to £140,000 MFiT-T6 - reduce to £110,000

    01/10/2024 Daily Interest - M1 = £18.27 (!!); M2 = £7.41

    Debt at highest point in 24 -£21,344
    Debt 1st November 24 - £16,192.18 24% paid. Focusing on this in earnest!!!
  • January update sent. Nice to feel long term progress. 
    I’m paying OP into a fixed account as the interest is better so progress may look slower this year, but then I can OP in one super swoop next January and hopefully reach my target 🎯 
    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


  • Morning,
    January update submitted. Slightly happier with progress now but with a year to go, not sure I will achieve my target.
    Thank you for running the challenge @julicorn
    Have a great weekend everyone!
    2025 MFW No:23
    MFiT-T7 12
  • Update for number 26 Bella_Budget. Not fantastic at all. Have been missing from this forum for most of last year and we've had bills bills bills the whole way through. We won't hit our target but little amounts off are still better than nothing.
    Good luck everyone 
    BB
    Weight loss goal 6/7lbs for first quarter
    Overall 2025 weight loss goal for the year 6/21lbs
    Holiday savings target 3400/£4800

  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Good morning all and thank you all so much for your updates! I've just posted the updated spreadsheet, you can find it here.

    I noticed what was causing some 'missing' updates - make sure when you submit your update that you select the sheet for the correct year :) There were a few October 2023 updates that came through as October 2022, so I've hopefully fixed those up now and the previous sheet should be up to date too. If there's any mistakes just shout and I'll get those fixed, either in the next few weeks or when the next update is due. 
  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Also a slightly belated welcome to the challenge @AnotherNewDay ! You've got #52 :)
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    julicorn said:
    Good morning all and thank you all so much for your updates! I've just posted the updated spreadsheet, you can find it here.

    I noticed what was causing some 'missing' updates - make sure when you submit your update that you select the sheet for the correct year :) There were a few October 2023 updates that came through as October 2022, so I've hopefully fixed those up now and the previous sheet should be up to date too. If there's any mistakes just shout and I'll get those fixed, either in the next few weeks or when the next update is due. 

    Oop. That's probably where mine disappeared to! My Oct 2023 should be £106,253.77 :#:smile:
    Thank you @julicorn
    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
  • #52 here I would like to swap from paying down mortgage to building up savings please. Same money goal. £650 saved in January.
  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    julicorn said:
    Good morning all and thank you all so much for your updates! I've just posted the updated spreadsheet, you can find it here.

    I noticed what was causing some 'missing' updates - make sure when you submit your update that you select the sheet for the correct year :) There were a few October 2023 updates that came through as October 2022, so I've hopefully fixed those up now and the previous sheet should be up to date too. If there's any mistakes just shout and I'll get those fixed, either in the next few weeks or when the next update is due. 

    Oop. That's probably where mine disappeared to! My Oct 2023 should be £106,253.77 :#:smile:
    Thank you @julicorn
    Yes it did, and I fixed that all up in the latest update 😊
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