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2025 Mortgage-Free Wannabes

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Comments

  • carboot_karaoke
    carboot_karaoke Posts: 520 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    Congratulations @t4mof 🎊 👏🏽 🥳 
    Current Balance £22,000
    MFW 2026 #31 £1000 / £17,000 OP
    MFIT - T7  

    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £20 / £365

    Declutter 0 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • julicorn
    julicorn Posts: 2,680 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    t4mof said:
    #36 with my final overpayment of the year because this one has cleared the balance!! I am officially mortgage free!! Honestly never thought I’d see the day. £138000 gone. 

    £6511.70 for October  B)
    Absolutely amazing news, congratulations! How are you feeling? <3
  • Sammie_1985
    Sammie_1985 Posts: 103 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    t4mof said:
    #36 with my final overpayment of the year because this one has cleared the balance!! I am officially mortgage free!! Honestly never thought I’d see the day. £138000 gone. 

    £6511.70 for October  B)
    Amazing! Well done. Must be such an amazing feeling. Enjoy being mortgage free 🙌🏼
    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 6mths

    🏡Mortgage Now - £188,600
    💫Term Remaining (With Overpayments) - 21yrs 4mths

    🗓️256/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £628.65/£7000➰

    💰EF - £3897/£9000


  • t4mof
    t4mof Posts: 271 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    julicorn said:
    t4mof said:
    #36 with my final overpayment of the year because this one has cleared the balance!! I am officially mortgage free!! Honestly never thought I’d see the day. £138000 gone. 

    £6511.70 for October  B)
    Absolutely amazing news, congratulations! How are you feeling? <3
    A bit weird at the moment. It’s been my no.1 financial focus for such a long time. Next month will seem odd. And we can start saving more 🙌
    CC Debt at LBM Nov 08 - £25000+ DFD Dec 2012
    Second DFD May 2021
    Starting my MFW journey: Opening Balance: £138,000; July 2019: £135107.33; July 2024 £52974.60; July 2025 £11140.23
    2025 MFW #36
  • Chili81
    Chili81 Posts: 54 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    Well done t4mof. Reading these posts keeps the rest of us going!

    £338 for oct for me please (#11) 
    Thanks as always JC
  • Jemma01
    Jemma01 Posts: 515 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Happy Halloween 🎃 👻 

    #46 can I please put 4k for November? Thanks 

    On the 25th of October, I celebrated 1 year in my new home 🤗, I paid 50% of my mortgage, and met my target for this challenge 🤩. Another year to go...

    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 = 42k      (3.94%)
  • jennystarpepper
    jennystarpepper Posts: 829 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    £504.93 - For October please Julicorn. 

    I'm still scraping the pennies up. 

    Many thanks.
    MFW - 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 £4979
    01.12.25 £2899

  • RedFraggle
    RedFraggle Posts: 1,491 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 31 October 2025 at 4:40PM
    RedFraggle said:
    #87
    Reporting £1000 for September 
    #87 Reporting £2200 for October
    @julicorn
    Officially in a clique of idiots
  • amydoll83
    amydoll83 Posts: 34 Forumite
    Ninth Anniversary 10 Posts
    edited 31 October 2025 at 4:51PM
    Hi Julicorn,

    #67 reporting for October (early for the first time ever!)

    Total for October was £410.25

    Thanks

    MFW 2025 Op challenge = number 67
    £729/£2000

    Little and often, that's the key. IYKYK  
  • pawlala
    pawlala Posts: 1,436 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 1 November 2025 at 10:03AM
    #22 reporting total overpayments for

    October came to £888.03

    Thanks and have a great weekend everyone!  Target reached B
    Mortgage free I: 8th December 2009!
    Mortgage free II: New Year's Eve 2013!
    Mortgage free III: Est. Dec 2021...
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