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2025 Mortgage-Free Wannabes
Comments
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Afternoon everyone
#31 with another £350 payment for November. Total for the month £2750
YTD £36,150
Many Thanks @julicorn
MFW
Opening Mortgage Balance 16/06/2024 - £99569.04 term remaining 80 months (Feb 2031)
Current Balance £24,000
MFW 2025 #31 £39,000 / £28,000 OP
MFIT - T7 £39,000 OP
0%CC May 2027- £5,000
0% Loan £600.00
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 /Nov £282.13
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum1 -
#19 October 25 overpayments £255.78 Thanks JulicornMortgage Free Wannabe
Mortgage free aim date (set Dec 23): 2030 or earlier
Mortgage free wannabe starting figure: £73,576.96
Current Mortgage Figure: £55,770.36
Mortgage end date with no overpayments: 20th July 2037
Mortgage end date with overpayments: 1st Jan 2030
Goal 1 10k off mortgage balance by 31st March 2024 Achieved
Goal 2 60k mortgage balance by 30th September 2024 Got to £62,999
Goal 3 10k off mortgage balance by 31st March 2025 Achieved1 -
#50 with another overpayment of £96; bringing the November total to &365.20MFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
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
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0001 -
Afternoon all,
#31 Reporting Novembers final OP £350.
Month Total £3100
YTD £35,500
Many thanks @julicorn
MFW
Opening Mortgage Balance 16/06/2024 - £99569.04 term remaining 80 months (Feb 2031)
Current Balance £24,000
MFW 2025 #31 £39,000 / £28,000 OP
MFIT - T7 £39,000 OP
0%CC May 2027- £5,000
0% Loan £600.00
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 /Nov £282.13
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum1 -
#11 with my November OP of £338.
Thanks JC1 -
Number 2 - £100 this month.
Completely fell off the OP wagon due to terminal illness and death in the family. It was all unexpected and quite intense. Hopefully I'm back on the wagon again now.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 372 -
@julicorn could I ask you to change my target to £13,400 as I can’t OP More than that as I’d go over my 10% allowance this year.
many thanks 🤩MFW 2027
£108.81 left to pay from 10%
overpayment allowance, (July26).
End fix on 2.79% July 27 // MFW AIM July 2027
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, £54,562.
December £54,000
Savings
£56,381 ISA/saving ac’s)
mortgage neutral
Owed
Barclaycard £5200 (0%) Deal ends April 2026.1 -
£37.43 OP Final OP for year please.
making it £13,4000 for the year 🥳MFW 2027
£108.81 left to pay from 10%
overpayment allowance, (July26).
End fix on 2.79% July 27 // MFW AIM July 2027
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, £54,562.
December £54,000
Savings
£56,381 ISA/saving ac’s)
mortgage neutral
Owed
Barclaycard £5200 (0%) Deal ends April 2026.1 -
Really sorry to hear about your loss, this year was a terrible year for that for us too as both my in laws died within 6 weeks of each other so my poor hubby had a rough year.twinklie said:Number 2 - £100 this month.
Completely fell off the OP wagon due to terminal illness and death in the family. It was all unexpected and quite intense. Hopefully I'm back on the wagon again now.
unusually, I got on really well with them and they were such a blessing.
we were so lucky to have had them in our lives.
look after yourselves and glad to hear you are back 😊MFW 2027
£108.81 left to pay from 10%
overpayment allowance, (July26).
End fix on 2.79% July 27 // MFW AIM July 2027
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, £54,562.
December £54,000
Savings
£56,381 ISA/saving ac’s)
mortgage neutral
Owed
Barclaycard £5200 (0%) Deal ends April 2026.3 -
MFW #10 reporting an OP of £120 for November.Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓1
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