We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
We're aware that some users are currently experiencing errors on the Forum. Our tech team is working to resolve the issue. Thanks for your patience.

2025 Mortgage-Free Wannabes

1…8687899192…95

Comments

  • MFWannabe
    MFWannabe Posts: 2,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    #50 Overpayment for December of £368.48

    MFW 2026 #50

    Mortgage:

    04/04/26: £33,500 

    07/03/26: £34,418.15

    16/01/26: £56,794.25
    02/01/26: £60,223.17

    12/08/25: Mortgage: £62,500.00
    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    Savings: £20,000




  • ajmoney
    ajmoney Posts: 6,496 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    No 7 with n OP of £400 for December. Thanks julicorn
    MFW 2026 No. 7 £2414.62/£5000
    MFiT-T7 No. 6 £9233.77/£30,000
  • smetf
    smetf Posts: 396 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    #3 checking in with final OP of £744.45, that's the 10k target hit by my calculations. 

    Thanks Julicorn for all your work running the challenge! 

    S
    Mortgage £35, 147.42
    MFW 2022 #35 10,000
    MFW 2023 #3 10358.97
    MFW 2024 #3 10000
    MFW 2025 #3 10000
    MFW 2026 5384.62/7384.62
    MFiT-T7 #10 aiming for 16k https://forums.moneysavingexpert.com/discussion/6283332/halving-our-income-and-still-aiming-for-mortgage-free#latest
  • 999poundproject
    999poundproject Posts: 24 Forumite
    Second Anniversary 10 Posts
    Julicorn, would you mind changing my target to 11k for #55?

    We just learned our annual bonus won't be paid out until end of January - so with these overpayments for December that is all I can do:

    December overpayments:
    - 363.12
    - 346.56

    Total for the year £11k


  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    #45 - £29 OP for Dec 😁 

    thank you @julicorn
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £90,256.60 (10years 1month)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £357.72/£1000
  • Hettyhound
    Hettyhound Posts: 1,194 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Number 21 with a December overpayment of £167.  Thanks Julicorn
    SPC #023 SPC 12: £125.86; 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 ?
    MFW #21 Mortgage start Dec 2015 £79,950; May 2026 £13,200 2025 OP £2991/£2,000 2026 £2,413/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £6070/£21,930 (27.67%)
  • NotWhereIWantToBe
    NotWhereIWantToBe Posts: 121 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    #83 with an OP for November of £450. Thanks @julicorn
    I'm not really following the thread so if it comes to next year I would like to be included please with a target of £2500 for the year, and I'd prefer number 22, if it's not available please can i stick with 83.
    Many thanks for all your hard work on this.
    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 £27000


    Mortgage end date when taken out : July 2050
    Mortgage current end date : January 2047

    MFW #83 Overpayments for 2026
    Jan £276 Feb £300 March £324 April £323

    Daily interest £3.29
    Percentage owned 49.8%
  • jennystarpepper
    jennystarpepper Posts: 838 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    16 - £560.59 for November please Julicorn.

    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 21.01.26 £0

  • julicorn
    julicorn Posts: 2,703 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    smetf said:
    #3 checking in with final OP of £744.45, that's the 10k target hit by my calculations. 

    Thanks Julicorn for all your work running the challenge! 

    S
    I'm 10p off - let me know which month to adjust so you've hit it officially on our spreadsheet too <3 
  • julicorn
    julicorn Posts: 2,703 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    NotWhereIWantToBe said:
    #83 with an OP for November of £450. Thanks @julicorn
    I'm not really following the thread so if it comes to next year I would like to be included please with a target of £2500 for the year, and I'd prefer number 22, if it's not available please can i stick with 83.
    Many thanks for all your hard work on this.
    I'll be setting up a new thread for 2026 in the next few weeks, please post again in there. I won't be keeping track of comments about 2026 in this thread here, it just gets too messy :) 
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture