Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 6/18
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2025 Mortgage-Free Wannabes
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#45 reporting an OP of £101 for May 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7003 -
#65 finally able to check in with a £401 overpayment, this was technically made in April but only applied today2025 in 2025- 2027/2025
365 savings challenge- £41.12/667.953 -
#50 Normal overpayment of £103.20MFW 2025 #50: £1139.75/£600007/03/25: Mortgage: £67,000.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
07/03/25: Savings: £16,5003 -
#27 with £250 for May please Julicorn xMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,600/£5,0003 -
#41 with my first OP of £400 for May3
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I've just caught up with the spreadsheet. Huge well done everyone, it's amazing what we're collectively acheiving. Congrats to those who have met their target already, that's brilliant!My May OP is £546, bringing the total to £2062 I think.Thanks for doing this @Julicorn, I'm so pleased with how my challenge is going and I never would have kept on track if it wasn't for the forum. I really appreciate it.Debt = £8017/£8017 (100% paid - cleared 26th August 2020) Boiler Fund = £2500/£2500 (100% saved - 26th August 2021)Emergency fund = £5000/£5000 (100% saved - 5th Jan 2025) | Mortgage = £112,153/£132,469 (15% paid)Goal for 2025:1) MFW £3905/£30004
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#34 with a 100 OP for May, bringing monthly to 100, and annual OPs to 500.
Thank you, Julicorn, and also thanks to everyone else for the motivation.Mortgage Dec '24 start: 227.5k. Now: 222.1k.
2025 OPs: 1500/6000.
2025 Emergency Fund: 6500/10000.3 -
#2 with an opening OP for May of £101.99.Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
% of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
MFiT-T7 #21
MFW 2025 #2
MF Date: Oct 37 Feb 373 -
Hi all and happy May! #29 checking in with £133.92 overpayment for May. Thank you Julicorn and well done everyone for all the overpayments so far
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 swimming4 -
#37 with an Op for May £200MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
2
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