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2024 Mortgage-Free Wannabes

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  • julicorn
    julicorn Posts: 2,591 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Just glad all is well 🙂
    I do really appreciate you (and others) checking in <3 
  • Glad all is well.
    #11 here with an OP of £315 for Sept. Think I might have reached my target so I'd like to increase to £3000 if that isn't too much if a pain. Thanks, Chili 
  • Hi Julicorn I think I have also reached my target so please could I increase it to £2200 for the year for #29, thanks for all that you do to keep us motivated! :smile:
    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
  • julicorn said:
    Hi all! Just posted over in 2023 and wanted to ask if I can rejoin 2024?

    My old # was 55, but obviously if that's taken - give me another!

    I was made redundant during mat leave, so overpayments have really slowed down...but still managing a few pounds here and there:

    Jan: 100
    March: 124.82
    May: 49.51

    Once I find a job, I'm really hoping to pick back up where I left off and pay off the 20% allowed by my provider. Partner and I have already discussed wanting to be mortgage free - so he's looking to sell his flat when his fix ends and buy into the house which should get us veeery close.
    Hi there, apologies for the late reply - you're very welcome to join again! :) Could you let me know your overall goal for this year please? #55 is still available, you're in luck <3 
    Of course: 5000 goal! Got a job again - so yay to continuing overpayments:

    June: 940.98
    Sept: 1545.10
  • Hi everyone 

    #46
    August payment was £19.85 (super tight month) and September overpayment was £115.  

    Thanks Julicorn and glad you are ok!




  • #15 checking in with an OP for Sept of 646.36 
    Thanks Julicorn 
    • Original mortgage end date: March 2041
    • Current mortgage end date: Dec 2032 
    • MFW 2025 #15 £378.00/ £2,400 /// MFW 2024 #15 £1,608.85/ £2500 /// MFW 2023 #15 £8,617.84/ £10,000 /// 2022 #15 £7,315.24/ £7250 /// MFW 2021 #15 £8,530.07/ £8500
    • Daily interest is currently £4.48
  • Jessy103
    Jessy103 Posts: 2,246 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Hi,

    No.12 with an overpayment of £1020.37 for September.

    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!
  • Good to see you back @julicorn!

    #18 here with September's update - £501 making total so far of £5540.81

    Thanks!

    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!!!
  • #26 skulking in very, very shame faced. 

    I’m afraid I’ve had a disaster of a year. Rate jumps and personal issues. This month I only managed a £75 overpayment (which was psychological more than anything else)

    I will get nowhere close to my target this year but I’ll try to hit £500 before the end of the year 
    Small OPs are better than no OPs
    Start date - Feb 2018 £231,000 / Apr 2042
    July 2025 £116,950 / Dec 2025
    MFW #60…. Back in for 2025!
  • #26 skulking in very, very shame faced. 

    I’m afraid I’ve had a disaster of a year. Rate jumps and personal issues. This month I only managed a £75 overpayment (which was psychological more than anything else)

    I will get nowhere close to my target this year but I’ll try to hit £500 before the end of the year 

    £75 OP is still more than £0. Well done for any overpayment, times are a little tough right now.
    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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