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2025 Mortgage-Free Wannabes

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Comments

  • Hettyhound
    Hettyhound Posts: 1,126 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Morning, number 21 with an OP of £50 which makes a November total overpayment of £335.  Thank you Julicorn
    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; Dec 2025 £16,893[/COLOR] 2025 OP £2773/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £4997/£21,930 (22.78%)
  • HelenaPinky
    HelenaPinky Posts: 45 Forumite
    Third Anniversary 10 Posts Photogenic Name Dropper
    #75 November will be another £0 as husband is without job so the sensible option is to not overpay and use the money on essentials. Reminding myself that we've already paid the yearly amount and more, just early! HP
    Mortgage when saw the MSE light 💡: £85,000 (end date 2045)
    2019: £65,638
    💰 2024 Increased mortgage for house move:  £112,000 (end date 2054)
    Current end date: May 2026

    2025MFW #75
  • julicorn
    julicorn Posts: 2,652 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    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. 
    Really sorry to hear about your loss - and the same for @V3cash x
  • SuperSavingD
    SuperSavingD Posts: 584 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Sorry to hear about the passings and the job loss also.

    #5 November total of £210.

    Thanks Julicorn
  • becksta
    becksta Posts: 2,261 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    #38 with a total overpayment for November of £1092.39.  

    This brings my total overpayments for the year to £15,241.92

    Good luck to everyone for December!
    MFW 2022 #88: £6620/£6000
    MFW 2023 #38: £13242.13/£6000
    MFW 2024 #38: £15792.12./£9000
    MFW 2025 #38: £15241.92/£7500

    Thank you to all competition posters
  • Hettyhound
    Hettyhound Posts: 1,126 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Hi number 21 with another November OP of £76.  That makes a November total of £411.  Thank you Julicorn
    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; Dec 2025 £16,893[/COLOR] 2025 OP £2773/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £4997/£21,930 (22.78%)
  • twinklie
    twinklie Posts: 5,194 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    V3cash said:
    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.
    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 😊
    Oh my goodness. That’s awful. I’m so so sorry. This being a grown up and getting older is just not fun is it? 😞
    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 37
  • powerspowers
    powerspowers Posts: 1,371 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    #27 with £250 for December please Julicorn x
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £3,600/£5,000


  • Jemma01
    Jemma01 Posts: 454 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    julicorn said:
    We've just hit £675k btw - not far from our £700k target now!

    Great news. Thanks.

    #46 can I please add 6k for December?

    I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.
    MFWB 2026 #44. 
    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 = 48k (4.19% -> ??)
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