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2023 Mortgage-Free Wannabes

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  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Just checking in to say that September and October should all be up to date now, let me know if I've missed anything :) Fantastic effort everyone, and well done especially to everyone who's hit their target for this year already!
  • jackieblack
    jackieblack Posts: 10,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 October 2023 at 8:11AM
    #4 checking in with my usual £125 OP

    I’ve been ‘offsetting’ as I had a fixed rate mortgage that was a lower rate than my Regular Savings account, but that ends at the start of next year. Fortunately, at the end of the fixed rate, I’ll be able to use the ‘offset’ sum I’ve built up to repay a chunk off the (admittedly quite small) mortgage balance which will hopefully mitigate some of the increase in MP due to the increase in interest rate - well that’s the plan, anyway 🤞🏻

    Thanks as always julicorn 👏🏻
    2.22kWp Solar PV system installed Oct 2010, Fronius IG20 Inverter, south facing (-5 deg), 30 degree pitch, no shading
    Everything will be alright in the end so, if it’s not yet alright, it means it’s not yet the end
    MFW #4 OPs: 2018 £866.89, 2019 £1322.33, 2020 £1337.07
    2021 £1250.00, 2022 £1500.00, 2023 £1500, 2024 £1350
    2025 target = £1200, YTD £9190
    Quidquid Latine dictum sit altum videtur
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    #69 with a small overpayment of £21.74 following some account round ups 🙂. Thanks Julicorn
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • #61 here checking in with a £60 overpayment for October. Rather more expenditure this year than expected, some of which was necessary (replacing old kit), some of which was not (new bicycle). Expect to do more next year, but will also probably set a more realistic target.
  • anna42hmr
    anna42hmr Posts: 2,890 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hello, number 105 here checking in with my OP's for september and October.   Please can you update me with my usual £217.94 for each month please, which will take me to a year to date of £2241.42 please.

    Thanks again for running the challenge Julicorn and good luck everyone with the final months of this 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..
  • Jessy103
    Jessy103 Posts: 2,257 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Hi,

    No 12 with another op for October of £516.44, so October total is now £825.54.

    Thanks 🙂
    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!
  • newgirly
    newgirly Posts: 9,350 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi Juliecorn my figures are: 

    August £2041.76

    Sept £272.02

    Oct. £1609.56

    Many thanks, Newgirly no. 67 
    MFW 67 - Finally mortgage free! 💙😁
  • Hi everyone

    #36 checking in with the mortgage overpayments from September & October:
    Sept: £138.71
    October: £128.19

    Thank you Juliecorn :)
    Mortgage start: Sept 2018 £140,000 (30 years) Sept 2020: £129,131 
    Sept 2021: £121,000 (remortgaged for 22 years), Sept 2022: £111,009, Sept 2023: £101,700, Sept 2024: £94,405
    Current: £86,450 (Jul 25)
    MFW 2025 #29
    Just keep swimming
  • becksta
    becksta Posts: 2,213 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    #38 reporting my October overpayment of £732.60

    Many 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
  • #88 reporting a October over payment of £1684.04

    Thank you. 
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