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2023 Mortgage-Free Wannabes

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Comments

  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi there Julicorn

    #57 - OP savings for May 23 of £1163.  My total this year £3718 /£10800 

    Not quite on target - but catching up
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • CrowdieSaver
    CrowdieSaver Posts: 109 Forumite
    Part of the Furniture 100 Posts Academoney Grad Combo Breaker
    Hi
    No. 49 reporting an overpayment for May of £350.
    Total for the year so far is £1,500.
    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!
  • KajiKita
    KajiKita Posts: 10,103 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Hello 😊

    No. 48 reporting in with £288.52 for May, which I calculate as £2460.85 YTD. 

    How are we looking overall Julicorn?

    KK 
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 31 books of target 52 in 2026 as @ 7th May. 
    Produce tracker: £108 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • jackieblack
    jackieblack Posts: 10,695 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    #4 checking in with my regular £125 OP (offset) for May

    Thanks, as always, julicorn 👏🏻 
    Everything will be alright in the end so, if it’s not yet alright, it means it’s not yet the end
    Quidquid Latine dictum sit altum videtur
  • Mortgage_Minimiser
    Mortgage_Minimiser Posts: 350 Forumite
    Part of the Furniture 100 Posts Name Dropper
    #13 checking back in.

    Just had a small pay-out from Prolific, so £5.49 to the mortgage. Total this year of £720.39. 

    Starting to get my mojo back I think, I did lose it there for a short while. 

    Thanks Julicorn

    MM



    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!!!
  • WelshSaver
    WelshSaver Posts: 322 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    #18 Checking in with an overpayment of £271.75
    Make £10 a day challenge - January 2023 = £292.89/£310 - Feb 2023 = £677.09/280 - March 2023 = £102.45/£310 - April = £300.12/300 - May 2023 = £306.80/£310 - June = £245.88/£150 - July = £295.45/£310 - August 2023 £51.56/£310
  • julicorn
    julicorn Posts: 2,705 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    Hello 😊

    No. 48 reporting in with £288.52 for May, which I calculate as £2460.85 YTD. 

    How are we looking overall Julicorn?

    KK 
    I've got your total as £2,988.30, would you mind having a look at the sheet to see if I've logged something incorrectly?

    I think you said you struggled to find page 1 of this thread - if you're using your phone, just tilt it so it's landscape rather than portrait and you'll be able to flick to page 1 more easily :) 
  • julicorn
    julicorn Posts: 2,705 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Mortgage_Minimiser said:
    #13 checking back in.

    Just had a small pay-out from Prolific, so £5.49 to the mortgage. Total this year of £720.39. 

    Starting to get my mojo back I think, I did lose it there for a short while. 

    Thanks Julicorn

    MM



    My total is slightly off for you as well, would you mind having a quick look? I've got it as £726.39. Thanks so much!
  • KajiKita
    KajiKita Posts: 10,103 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    julicorn said:
    KajiKita said:
    Hello 😊

    No. 48 reporting in with £288.52 for May, which I calculate as £2460.85 YTD. 

    How are we looking overall Julicorn?

    KK 
    I've got your total as £2,988.30, would you mind having a look at the sheet to see if I've logged something incorrectly?

    I think you said you struggled to find page 1 of this thread - if you're using your phone, just tilt it so it's landscape rather than portrait and you'll be able to flick to page 1 more easily :) 
    Hi @julicorn

    I can’t actually find the tracking sheet, page 1 I can find but not the sheet …. Am I missing a hyperlink somewhere? 

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 31 books of target 52 in 2026 as @ 7th May. 
    Produce tracker: £108 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • becksta
    becksta Posts: 2,267 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi @julicorn Number #38 here with a final OP for May of £90.  That takes my total for May to £335

    Thanks!
    MFW 2022 #88: £6620/£6000
    MFW 2023 #38: £13242.13/£6000
    MFW 2024 #38: £15792.12./£9000
    MFW 2025 #38: £16090.54/£7500
    MFW 2026 #38: £6599.65/£9500

    Thank you to all competition posters
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