Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 1/15
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2025 Mortgage-Free Wannabes
Comments
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Any number is fine with me
thanks for organising @julicorn Debt = £8017/£8017 (100% paid - cleared 26th August 2020) Boiler Fund = £2500/£2500 (100% saved - 26th August 2021)Emergency fund = £5000/£5000 (100% saved - 5th Jan 2025) | MFW Goal 2025: £6429/£3000 | Mortgage = £89,051/£132,469 (33% paid)Goal for 2026:1) MFW £0/£36001 -
Hi Julicorn. I would love to join this year (first time) with an overpayment/savings target of £15,000. Happy with any number. Thank you!1
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@julicorn can i be a massive PITA and change my target please?Tiredbutdetermined said:Could I join for the first time please?
Can I go for a target of £15,000 please?
I had been thinking that it would be too fiddly to separate out my payment and overpayment as my direct debit is set to overpay. However, I think it is worth me consciously unpicking each month so I feel a bit more accountable.#
Would it be possible to reduce my target to £3000 so it is overpayments only please?
I am number 8
Total Debt May 21 £20,490.44 DEBT FREE DATE 29/7/22
Mortgage balance May 21 £177,096.19. Now £143,070.41
Mortgage free date. At start of sole mortgage = July 2042
2024 SAVINGS FOCUS - get rid of the car finance. £12,706.25 PAID OFF
2025 Savings Focus - 33.3/33.3/33.3 split; savings for house renovations (bathrooms/garden/kitchen; whichever collapses first), save for a family holiday (probably our last one!) and paydown/offset the mortgage. Total pot = £4238.561 -
Kicking off the New year with an overpayment 😁#50 - Jan - £57MFW 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: £12,0003 -
No 7 starting the year off with an OP of £100. Thanks for setting us off julicorn. Happy New Year everyone!
MFW 2026 No. 7 £400/£5000
MFiT-T7 No. 6 £5515.91/£30,0003 -
Number 39, £250, Jan
here we go
happy new year everyone!Debt = £8017/£8017 (100% paid - cleared 26th August 2020) Boiler Fund = £2500/£2500 (100% saved - 26th August 2021)Emergency fund = £5000/£5000 (100% saved - 5th Jan 2025) | MFW Goal 2025: £6429/£3000 | Mortgage = £89,051/£132,469 (33% paid)Goal for 2026:1) MFW £0/£36002 -
Number 66 with an overpayment of £250 for Jan. Happy New Year everyone!Mortgage-free wannabe 2026 £325/40002
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#26, overpayment of £894.64 for Jan (oddly precise, but there's method in my madness to avoid early repayment fees until absolutely necessary whilst making total payments fairly round numbers
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Happy new year!2 -
Number #51 with a wee roundup of £21.69.
Happy New Year everyone!Mortgage: £173,700 Sep 22 £158,000 Jan 26
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £11,600 Jan 26
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
January 2026 Grocery Challenge: £200/£200
1
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