Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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2025 Mortgage-Free Wannabes
Comments
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#45 reporting an OP of £101 for May 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10003 -
#65 finally able to check in with a £401 overpayment, this was technically made in April but only applied today3
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#50 Normal overpayment of £103.20MFW 2026 #50: £3,583.49/£25,00007/03/25: Mortgage: £67,000.00
Mortgage:
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: £20,0003 -
#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 £3,600/£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) | MFW Goal 2025: £6429/£3000 | Mortgage = £88,519/£132,469 (33% paid)Goal for 2026:1) MFW £472/£36004
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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.2026 MFW OPs: 0/6000
EF: 6500/10000
Penny challenge: 22.99/668
Holiday fund: 4/30003 -
#2 with an opening OP for May of £101.99.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 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, Sept 2025: £85,470
Current: £83,770 (Dec 25)
MFW 2025 #29
MFW 2026 #20
Just keep swimming4 -
#37 with an Op for May £200Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £110.77/£4500
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