Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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2025 Mortgage-Free Wannabes
Comments
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Hi there
thank you for this inspiring thread.
im a 51 year old single woman with a mortgage - bought my first house 3 years ago.
im due to remortgage in August 26 and would love to have reduced my mortgage from £150,700 to £120,000 by then.I’m saving any overpayments at the moment as my savings account has a better interest rate.By the way - can anyone tell me how I put my ££ figures into my signature block please? Struggling to figure it out 😳
thanks all 😊£150700 at 1jan 25.MFW #42
TARGET OF £14755 OP in 2025
09/01 £100/£147553 -
Welcome to the forum @Cartmay!
On the top right corner there are four icons - Search, Notifications, Mail and Profile, click on the last one and you will see "Account & Privacy Settings" - click this and a new page will open with a list of options (on the right) with "Signature Settings" there. Hope that helps!
All the best for 2025 and good luck with your goal!
Mortgage: £173,700 Sep 22 £157,700 Feb 26
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £9,200 Feb 26
NSD: Jan: 17/31 | Feb: 12/28
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
Sealed Pot Challenge #022
2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200
2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200
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#43 reporting the first £1 overpayment of 2025. I will treat myself to a bigger overpayment when I’ve cleared my Very debt, but until then, I’m aiming for £1 per day.MBNA 430/14000
Santander 435/10550
Nationwide 0/497
Santander OD 0/2900
Nationwide OD 21/100
Mortgage
NSD Jan/6
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What matters is how we live and love and how we spend our dash. (L Ellis)1 -
Hi @julicorn, please could I keep #14 please? Target for 2025 of £1500 please. Also £104 overpayment for January has already been made.
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HI @julicorn, number 41
First overpayment of the year with £87.11 x Debt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0001 -
I thought I might have posted already but looks like I didn’t. Please could I have the same number 32, and can I make my target £3,000. I’m on a tracker rate which is due to come to and end in May and already at 60% LTV and looking to move, so looking to save instead of overpay. Thanks @julicorn for managing this.
MFW 26 #32 £2,686.88/£6,000; MFW 25 #32 £9,594.51/£3,000; MFW 24 #32 £4,217.84/£3,000; MFW 23 #32 £5,238.84/£4,000; MFW 22 #32 £8,246.43/£8,000; MFW 21 #32 £8,982.73/£8,000; MFW 20 #32 £12,000/£6,000
Save £12k in 2026 #32 £8,625/£18,000; Save £12k in 2025 #48 £20,000/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000
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Number 47 with first OP of the year £111.50. 😁Reduction in daily mortgage interest since October 23 (new mortgage) - £2.84 December 25
% of house owned/% of mortgage paid off. December 25 - 40.34%/33.36%
MFiT-T7 #21
MFW 2025 #2
MF Date: Oct 37 Feb 372 -
#45
£101 overpayment for January 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
#50 - Regular monthly overpayment: £103.20
Jan total £160.20MFW 2026 #5007/03/25: Mortgage: £67,000.00
Mortgage:
04/04/26: £33,500
07/03/26: £34,418.15
16/01/26: £56,794.25
02/01/26: £60,223.17
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0001 -
Welcome to the challenge! I've given you #61Pinkpieuni said:Can I join please? Target total is £38,000 comprising of 10% allowable overpayment of £7,500 and £31,000 to be put away to allow us to be MF towards the end of next year. We hope to achieve it by carrying out need vs want assessment through out the year, thnks to the new found MSE financial knowledge. No wasting money in 2025.
Sure thing, welcome back!Lauraebrad said:Hi @julicorn please can I join again as #30 again if possible! Target £2400 as this year. Thank you :-) 0
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