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2023 Mortgage-Free Wannabes

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  • anna42hmr
    anna42hmr Posts: 2,890 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi, number 105 here reporting my first OP's of the year,   please can you put me down for £279.96 please for January.

    Good luck everyone with this years targets and thanks again Julicorn for running the challenge for another year.  
    MFW#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..
  • mark55man
    mark55man Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi there - #57 - 3rd OP savings for the month of £250 for total of £900.  My final total for January £900/£10800
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • #83 (Thank you).
    Please can you record my total for January.
    I have saved £1837 in January and £2961 from saving last year as I work from 1st August - 31st July.
    @julicorn please can you advise me how you will record this ? 
    I am baffled  :D:D
    User name should now read NowWhereIWantToBe  

    Amount overpaid so far £8298 (2022)

    Overpayment ready to add to funds when fixed deal runs out July 2027 £23968


    Mortgage end date when taken out : July 2050
    Mortgage current end date : January 2047

    MFW #83 Overpayments for 2025
    Jan £304 Feb £346 Mar £298 April £344 May £214 June £200 July £200

    Daily interest £3.37
    Percentage owned 48.5%
  • Hi
    #9 checking in with first OP of £2100 :)
    thanks julicorn x
    LBM - October 2018; finally debt free on 16 March 2021
    2023 Mortgage Free Wannabee #92023 Mortgage free in March 23 !
    Decluttering Campaign member 2023🏅🏅 🏅⭐️⭐️
    Decluttering Campaign Member 2024 🏅🏅
    Decluttering Campaign Member 2025
  • #70 overpayment of £483.33, so total of £583.33 for the month 
    thanks 
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  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    #83 (Thank you).
    Please can you record my total for January.
    I have saved £1837 in January and £2961 from saving last year as I work from 1st August - 31st July.
    @julicorn please can you advise me how you will record this ? 
    I am baffled  :D:D
    The challenge runs from the 1st of January until the 31st of December. So if it's savings you're looking to track this year, just let me know each month how much you've managed to add to your savings pot, and feel free to post your total for this year as well :) In this challenge, we're not so concerned about what you've managed to save/OP in previous years, we're just looking at 2023. 
  • #35 checking in - £2085 for January

    Expected this month to be bigger due to me closing a savings account and dumping the money into my mortgage. Still impressed I managed to keep my target monthly payment of £850 - this has been a loooong month (5 weekends since I was last paid makes for an interesting challenge on the budget) 
    Mortgage: £116,060 (Apr 2024)
    Initial MF date: Apr 2048
    Current MF date: Dec 2044

    MFW 2022 #98 £2,2000/£1,800
    MFW 2023 #35 £7,510/£7,500
    MFW 2024 #24 £1,225/£5,000
    MFi3-T6 #41  £21,231/£27,495 (Mortgage Target £110,000)

    Weight Loss Q1 24: 5/12lbs
  • Afternoon all, 

    #39 with a Jan OP of £300, totalling £428.29 for the month. 

    Thanks Julicorn! 

    WPx
    Mortgage 1 (BTL) Jan '24 £102,500
    Mortgage 1 OP pot (July ‘22 - July ‘27) £7,300/£19,500
    Mortgage 2 (joint forever home) Jan '20 £244,500, Jan '21 £235,000, Jan '24 £202,000


  • becksta
    becksta Posts: 2,213 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hello

    #38 with an overpayment of £110 taking my total for January to £310

    Thanks 
    MFW 2022 #88: £6620/£6000
    MFW 2023 #38: £13242.13/£6000
    MFW 2024 #38: £15792.12./£9000
    MFW 2025 #38: £12183.50/£7500

    Thank you to all competition posters
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    #100 Checking in.
    End of the month so bf's turn to top up the pot. £500 added to Jan total.

    £1350 Jan Total.
    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
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