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2025 Mortgage-Free Wannabes
Comments
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#41
Savings interest earned bringing March total to £539.80
Year to date = £1640.47/50003 -
I'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%)
2 -
#5 Sent £90 to savings today for future OP, total for year stands at £836.10/£3000, will make another payment later in the month.
Keep up the good work everyone and thanks Julicorn.3 -
#35 with a little £7.13 to take the total for March up to £765.28MFWB 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 -
#64 another £200 0P paid, that's £200 so far in March 😊MFW 2025 #64: £4350/£5000
Mortgage January 2025 £31,598
Mortgage February 2025 £30,519
Mortgage March 2025 £29,427
Mortgage April 2025 £28,731
Mortgage May 2025 £27,351
Mortgage June 2025 £26393
Mortgage July 2025 £25,395
Mortgage August 2025 £24,215
Mortgage September 2025 £22,606
Mortgage December 2025 £19,887
Mortgage January 2026 £0 - officially mortgage free!!1 -
Congratulations on your big OP, and we look forward to having you on board again next year with a savings goalSeekingFlight said:@julicorn
Due to unexpected circumstances I have 2 OP's to report
£45,790.99 in February
£35,527.76 in March
That's me out for the year, I can't make any further OP's without incurring a penalty. I'll be doing a savings challenge for next year's OP instead.
3 -
A little update: We've surpassed £200k now, with the current total at £213,749.51
Not too far off quarter of a million, well done everyone! 7 -
I didn't explain that well @Julicorn, I'll be saving the £500 a month i was going to pay this year for next year. My overpayment allowance resets on February 23rd 2026. So I'll be following along this year, just with saving not overpayingjulicorn said:
Congratulations on your big OP, and we look forward to having you on board again next year with a savings goalSeekingFlight said:@julicorn
Due to unexpected circumstances I have 2 OP's to report
£45,790.99 in February
£35,527.76 in March
That's me out for the year, I can't make any further OP's without incurring a penalty. I'll be doing a savings challenge for next year's OP instead.
#5 Make £2026 in 2026 £105/£2026
#63 Mortgage Free Wannabe 2026 OP £1100/£38,100
Decluttering Campaign 0/2026
"Remember not to do too many things at once" said me to herself.1 -
If you want, I can always add a second line for you in the spreadsheet with your savings goal, e.g. £4,500 or £5,000 for the rest of the year? I've done that for people before.SeekingFlight said:
I didn't explain that well @Julicorn, I'll be saving the £500 a month i was going to pay this year for next year. My overpayment allowance resets on February 23rd 2026. So I'll be following along this year, just with saving not overpayingjulicorn said:
Congratulations on your big OP, and we look forward to having you on board again next year with a savings goalSeekingFlight said:@julicorn
Due to unexpected circumstances I have 2 OP's to report
£45,790.99 in February
£35,527.76 in March
That's me out for the year, I can't make any further OP's without incurring a penalty. I'll be doing a savings challenge for next year's OP instead.
1 -
Yes please that would be greatjulicorn said:
If you want, I can always add a second line for you in the spreadsheet with your savings goal, e.g. £4,500 or £5,000 for the rest of the year? I've done that for people before.SeekingFlight said:
I didn't explain that well @Julicorn, I'll be saving the £500 a month i was going to pay this year for next year. My overpayment allowance resets on February 23rd 2026. So I'll be following along this year, just with saving not overpayingjulicorn said:
Congratulations on your big OP, and we look forward to having you on board again next year with a savings goalSeekingFlight said:@julicorn
Due to unexpected circumstances I have 2 OP's to report
£45,790.99 in February
£35,527.76 in March
That's me out for the year, I can't make any further OP's without incurring a penalty. I'll be doing a savings challenge for next year's OP instead.
#5 Make £2026 in 2026 £105/£2026
#63 Mortgage Free Wannabe 2026 OP £1100/£38,100
Decluttering Campaign 0/2026
"Remember not to do too many things at once" said me to herself.1
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