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2024 Mortgage-Free Wannabes

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Comments

  • Hettyhound
    Hettyhound Posts: 1,194 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Number 21 with a December over payment of £81, thank you!!
    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; May 2026 £13,200 2025 OP £2991/£2,000 2026 £2,413/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £6070/£21,930 (27.67%)
  • 999poundproject
    999poundproject Posts: 24 Forumite
    Second Anniversary 10 Posts
    edited 4 December 2024 at 12:47PM
    #55 with a regular overpayment of 363.12 and a one off 999 > making it 1362.12. Thank you!
  • Shal1160
    Shal1160 Posts: 72 Forumite
    Fifth Anniversary 10 Posts Name Dropper
    Hi all and happy December!
    #29 checking in with my December overpayment of £101.25 and very happy to have made my target! :):)
    Thank you Julicorn for keeping us motivated! 
    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, Sept 2025: £85,470
    Current: £82,680 (Feb 26)
    MFW 2025 #29
    MFW 2026 #20
    Just keep swimming
  • smetf
    smetf Posts: 396 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    #3 with the final payment of 2024 going in of £1150.76 🎉
    Mortgage £35, 147.42
    MFW 2022 #35 10,000
    MFW 2023 #3 10358.97
    MFW 2024 #3 10000
    MFW 2025 #3 10000
    MFW 2026 5384.62/7384.62
    MFiT-T7 #10 aiming for 16k https://forums.moneysavingexpert.com/discussion/6283332/halving-our-income-and-still-aiming-for-mortgage-free#latest
  • fjireland
    fjireland Posts: 53 Forumite
    Second Anniversary 10 Posts
    Final op for 2024- its been a challenge to stay on track - but got there

    £1000 for December and have hit just under 140k remaining on the mortgage

    will enjoy Christmas now after the year’s work 
    June 2017 - £295k mortgage/htb 
    June 2020 - £270k mortgage/htb
    Dec 2021 - £228k mortgage 
    Dec 2022 - £195k mortgage 
    Dec 2023 - £162.5k mortgage 
    Dec 2024 - £140k mortgage 
    Dec 2025 - Target - £130k mortgage 
  • NotWhereIWantToBe
    NotWhereIWantToBe Posts: 121 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Hi @julicorn #83 with a November OP of £772. 
    Thank you .
    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 £27000


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

    MFW #83 Overpayments for 2026
    Jan £276 Feb £300 March £324 April £323

    Daily interest £3.29
    Percentage owned 49.8%
  • t4mof
    t4mof Posts: 271 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    edited 4 December 2024 at 11:39PM
    #45 checking in for November... £2157.

    Thanks @julicorn
    CC Debt at LBM Nov 08 - £25000+ DFD Dec 2012
    Second DFD May 2021
    Starting my MFW journey: Opening Balance: £138,000; July 2019: £135107.33; July 2024 £52974.60; July 2025 £11140.23
    2025 MFW #36
  • JohnTheSkier
    JohnTheSkier Posts: 62 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    Hi @julicorn #14 here with a December overpayment fo £204. That closes out the year with total overpayments this year of £1271.
  • Mortgage_Minimiser
    Mortgage_Minimiser Posts: 350 Forumite
    Part of the Furniture 100 Posts Name Dropper
    #18 with November update. 

    £2,000 OP. Not sure I will make any in December but will see. 

    Total year to date is £8041.81 - £1663 short of target, but def better than none at all.

    Thanks @julicorn

    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!!!
  • FlacosFloozie
    FlacosFloozie Posts: 830 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    #65 with £300 for October and £130 for November.
    Thanks @Julicorn
    MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.14
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