Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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2025 Mortgage-Free Wannabes
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No 7 with an OP of £100 for July. Thanks julicorn.MFW 2025 No. 7 £1530/£2700
MFiT-T7 No. 6 £3571.87/£30,0002 -
No 39 with £741 for July. Thanks Julicorn, I'm pleased to say that this amount tips me over my target for the year! Wow, can't believe I made it! So much credit to this forum and this thread for keeping me going - thank you everyone, I'm amazed and so pleased.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 £4433/£30005
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#3 checking in with an OP of £786.62, our usual OP plus a top up of £100 neatly coming in as DH submitted expenses!
Happy 1st July all!
SEmergency fund 14k Home/ holiday fund 7k Mortgage £44,592- MFW 2022 #35 10,000
- MFW 2023 #3 10358.97
- MFW 2024 #3 10000
- MFW 2025 #3 7682.31/10000
- MFW 2024 #3 10000
- MFW 2023 #3 10358.97
3 - MFW 2022 #35 10,000
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Evening all
Hope your surviving in this heat #31 with a £1600 overpayment so far for July.
YTD £22,300
Many thanks @julicorn
MFW
Opening Mortgage Balance 16/06/2024 - £99569.04 term remaining 80 months (Feb 2031)
Current Balance £33,420
MFW 2025 #31 £29,580 / £28,000 OP
MFIT - T7 £29,580 OP
0%CC May 2027- £2,475
Grocery Challenge
Jan £387.89 / Feb £ 355.67 / Mar £418.63 / Apr £478.37 / May £426.52 / June £376.18 / July £462.54+£103.32 entertaining / Aug £294.38+83.83 entertaining /Sept
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum3 -
#22 reporting total overpayments for
May came to £580.56
June came to £264.09Thanks and have a great week everyone!Mortgage free I: 8th December 2009!
Mortgage free II: New Year's Eve 2013!
Mortgage free III: Est. Dec 2021...3 -
#83 with an OP of £200 for June.
Thank you @julicorn.User name should now read NowWhereIWantToBe
Amount overpaid so far £8298 (2022)
Overpayment ready to add to funds when fixed deal runs out July 2027 £24195
Mortgage end date when taken out : July 2050
Mortgage current end date : January 2047
MFW #83 Overpayments for 2025
Jan £304 Feb £346 Mar £298 April £344 May £214 June £200 July £200 Aug £227
Daily interest £3.36
Percentage owned 48.7%3 -
I've just gone through and done the updates, well done everyone! Your updates, both the big ones and the small ones, have pushed us over the £450k hurdle - with the current total standing at £456,301.84.
£500k coming up!12 -
MORTGAGE 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. A-£200, S- £200.
Total- £1562.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
3
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