Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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2025 Mortgage-Free Wannabes
Comments
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Morning,
No. 12 with a overpayment of £1,339.73 for September.
Thanks 🙂Starting Mortgage Balance (June 2019) £72,000. Mortgage Free November 2025!1 -
#83 with an OP for Sept of £400.
Thanks @julicornUser name should now read NowWhereIWantToBe
Amount overpaid so far £8298 (2022)
Overpayment ready to add to funds when fixed deal runs out July 2027 £25100
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 Sept £400 October £505
Daily interest £3.34
Percentage owned 49%1 -
MFW
Opening Mortgage Balance 16/06/2024 - £99569.04 term remaining 80 months (Feb 2031)
Current Balance £27,200
MFW 2025 #31 £35,800 / £28,000 OP
MFIT - T7 £35,800 OP
0%CC May 2027- £2,550
0% Loan £694.68
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 £328.93 / Oct £381.10
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum1 -
16 - £502.43 for September please Julicorn.
Many thanksMFW - 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 £49791 -
Hello number 21 with another September overpayment of £70. That makes a September total of £184.07. Thank you!SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £660.03[ SPC 19 ?COLOR="DeepSkyBlue"]MFW #21 Mortgage start Dec 2015 £79,950; Nov 2025 £17,241[/COLOR] 2025 OP £2426.36/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £4689/£21,930 (21.38%)1
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#68 £50 plus another £21.03 making
£71.03 October OP payment Pls
MFW 2027
£172.42 left to pay from 10% overpayment allowance, (July26).
End fix on 2.79% July 27
Mortgage free Aim July 2027.
July 25 £57,000, £56950
August 25 £56,400
September £55,850/£55,800
October £55,195
November £54,600
Barclaycard £5300(0%) Deal ends April 2026.
2nd 0%CC £300 deal ends after paid off)1 -
No: 54
September = £2501 -
#27 with £250 for October please JulicornMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £3,350/£5,0001 -
Hi Julicorn#46. Can you please add 6k for October?ThanksNote:I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.Mortgage debt start date = 25/10/2024 = 175k (5.44% interest rate, 20 year term)
- Q4/2024 = 139.3k (5.19% interest rate)
- Q1/2025 = 125.3k (interest rate dropped from 5.19% - 4.69%)
- Q2/2025 = 108.9K (interest rate 4.44%)
- Q3/2025 = 92.2k (interest rate dropped from 4.44% to 4.19%)
- Q4/2025 = 76.5k (interest rate 4.19%)
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