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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
    Hello there,

    I'd be delighted to take part again and will take any number going.

    I'm going to put a stretch target of £15,000 (eek!!!) and have standing order all set up and ready to go.

    Good luck everyone in their respective targets.

    :)
    Thanks for joining again, I've moved you up to #63 :)
  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Hi Julicorn,
    Thanks for running this again. I'd like to join with a target of £4500 for next year. I was #79 last time but happy to change if its easier.
    Welcome back, I've given you #65 for 2023 :)
  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    becky170 said:
    Hi Julicorn, can I join in this year? I had a break from overpayments this year but we are ready to start again in 2023. Can I have a target of £3600 for 2023? Thanks for running the thread again! Becky
    Absolutely, welcome on board! You've got #66 :)
  • Hi, 

    I wrote an introduction post but it seems to have disappeared. I’d really like to join the challenge please; I’m new to the MFW mindset but really keen! Please can you put me down for 

    £3000 overpayment target? 

    Thank you! 
  • Martas
    Martas Posts: 36 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    julicorn said:
    That's great, thanks for joining again! I've moved you up to #56 and also adjusted your 'months in challenge', so the spreadsheet doesn't make it look like you're way behind your goal for the first half of the year. 

    Thank you so much for that, I was worried I'll get demotivated by that red field stating that I'm slipping behind my target :# You are the queen of spreadsheets @julicorn
    We took £83795 mortgage in June 2018
    Left to pay on mortgage: £51821.20
    Original end date: June 2037
    Now: September 2033
    Target: pay off by December 2025
    Mortgage Free Wannabe 2022 #90 £13000/£11000
    Mortgage Free Wannabe 2023 #42 £999/£13000 no overpayments until 20.06.2023 when my overpayment allowance renews
    MFi3-T6 #42 January 2022 £70915, to reduce mortgage to £17000 by January 2025
    Love people and use things because the opposite never works
  • Hello everyone, I’ve just joined ( after lurking for a while), please can I join with a target of £12,000, thanks
    I’m a Forum Ambassador and I support the Forum Team on the Pension, Debt Free Wanabee, and Over 50 Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the Report button, or by e-mailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
  • ElmoR
    ElmoR Posts: 414 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    Hello, ElmoR back again for more!

    Can I please jump aboard for another year? Happy to stay as number 45 if it's still available.
    This year the target is £4000. My MLW budget planner says it is possible, so let's test that... :)
    :smile: 

    Thanks julicorn
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 31 December 2022 at 8:49PM
    julicorn said:
    Hello Julicorn,

    #54 here 👋

    I’d like to continue with the challenge, but I will be on zero pay maternity leave for the first 6 months of the year 😬

    I’d like to set a low target of £600, just for a little motivation.

    Happy to move numbers or stick with #54. If #6 becomes available, I’d love that please 🙏 

    Thank you for running the challenge again 😊
    Hi there, thank you for joining again! #6 is currently still reserved, but if you post again on the 1st of January then we can see if @twinklie has claimed it in the meantime :) 
    Hi sorry to be a party pooper but can I keep #6 please. 

    We are remortgaging this year and have some home improvements planned. Soooo I’m not sure what my OPs will look like. So I’m going to keep it at a nice round £2,000.

    Anything else would be a happy accident. 😁
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • Nichelette
    Nichelette Posts: 2,126 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi Julicorn. Thanks for running again. Can I please keep no. 86? I promise I'll update more regularly this year!

    Only looking at token OP's this year due to mat leave from May and trying to build a bigger cash reserve, so can you please put me down for £2400 as aiming for £200 a month :)
    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £192,586.98/CENTER]
    Overpayments since 27.03.19: £52,407.47
  • Hello julicorn, thanks for the new thread and for running the challenge again this year.  :)

    I'd like to keep no. 10; my target for 2023 is £25,000.
    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/£25,000

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