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2025 Mortgage-Free Wannabes
Comments
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#59 checking in with a £500 overpayment for February please
!
Total: £1,0003 -
Absolutely zero need to apologise for posting lots of updates, they're fab!here_for_the_tips said:#35 with a small £8 OP for a £717.36 February total. A lot of messages but I'll forget if I don't add ASAP. Let's see what's left in the current account at the end of the month.
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And with you all posting some hefty overpayments over the last week or so, I'm pleased to report we've passed the £100k hurdle - the current overpayment total is £106,773.11, to be exact! Well done everyone
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julicorn said:And with you all posting some hefty overpayments over the last week or so, I'm pleased to report we've passed the £100k hurdle - the current overpayment total is £106,773.11, to be exact! Well done everyone
Wow, great start to the year.
MFW 2026 No. 7 £400/£5000
MFiT-T7 No. 6 £5515.91/£30,0003 -
Hi @julicorn - February update for #30. Feb OP £410. YTD £600. Thank you!
Aiming for mortgage free by September 2030
Balance 1.1.20 - £69,701.80
Balance 1.1.21 - £63,699.80
Balance 1.1.22 - £57,762.80
Balance 1.1.23 - £53,074.20
Balance 1.1.24 - £47,902.00
Balance 1.1.25 - £44,141.20
Balance 1.1.26 - £40,312.20
over payments 2026 = £30/£1,200 /// invested 2026 = £150/£1,800 = TOTAL (YTD) £180/£3,0003 -
#35 with a final £320 for the month for a February total of £1,037.36MFWB 2025 #35: £11,150.81 / £10,000
MFWB 2026 #35 £0 / £10,000
Prolific 2025 £294.34 / £500
MFWB Diary
Mortgage 1 Jan 2025: £63,215.87
Mortgage 1 Jan 2026: £50,602.603 -
16 - 1705.03 for February please.
Think I'm on the final countdown now, no idea if I can clear the mortgage by end of the year, will have a good bash at it.
I'm going through a run of, repairs, replacements and huge dental bills, was online clothes shopping today and have gone back to the basket and deleted everything but 1 thing, sale or not, next year I keep telling myself.
Keep going everyone.MFW - 01.10.21 £63761 01.10.22 £50962 01.10.23 £39979 01.10.24 £27815. 01.01.25. £17538
01.03.25 £14794. 01.04.25 £12888
01.05.25. £11805. 12.05.25 £9997 05.06.25 £8898.
01.07.25. £7975 01.08.25 £6968 01.09.25 £5956. 01.10.25 £4979
01.12.25 £28994 -
jennystarpepper said:16 - 1705.03 for February please.
Think I'm on the final countdown now, no idea if I can clear the mortgage by end of the year, will have a good bash at it.
I'm going through a run of, repairs, replacements and huge dental bills, was online clothes shopping today and have gone back to the basket and deleted everything but 1 thing, sale or not, next year I keep telling myself.
Keep going everyone.I feel you, I've got a huge Amazon basket, some things I need, others I can do without and I'm delaying the purchase until I need everything and remove the stuff I added to get free shipping 😭Hopefully you'll smash it this year and enjoy your cash next year, not far to goI'm FTB, not an expert, all my comments are from personal experience and not a professional advice.Mortgage debt start date = 11/2024 = 175k (5.19% interest rate, 20 year term)- Q4/2024 = 139.3k (5.19% -> 4.94%)
- Q1/2025 = 125.3k (4.94% -> 4.69%)
- Q2/2025 = 108.9K(4.69% -> 4.44%)
- Q3/2025 = 92.2k (4.44% -> 4.19%)
- Q4/2025 = 44k (4.19% -> 3.94%)
- Q1/2026 = 41k (3.94%)
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#36 for Feb - £2227.81.
Interest rate has decreased so a little bit more coming off the capital 🙌
Thanks @julicornCC Debt at LBM Nov 08 - £25000+ DFD Dec 2012Second DFD May 2021Starting my MFW journey: Opening Balance: £138,000; July 2019: £135107.33; July 2024 £52974.60; July 2025 £11140.232025 MFW #363 -
67 here!
Not sure my total for last month was updated yet (or I just didn't update is the most likely case)!
January total OP'd £183.40
February total OP'd £133.54
Total so far this year £317.56
MFW 2025 Op challenge = number 67
£729/£2000
Little and often, that's the key. IYKYK3
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