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2025 Mortgage-Free Wannabes
Comments
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Final payment of the year: #39, £597 for December, bringing the total to £6429. I'm amazed that I've been able to achieve that, and this forum has made such a difference in keeping me motivated. It's been heartening to share the journey with others, encourage others on and see everyone taking part, whatever the amount. Well done everyone and here's to 2026! Whether you have 57p, £57, £570...we will all get there, bit by bit.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/£36005
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Number 21 with another December OP of £40, making a total so far in December of £207. Thanks JulicornSPC #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 £16,453[/COLOR] 2025 OP £2991/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5477/£21,930 (24.97%)1
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#32 - Nov OP of £926.18 please
Thanks for managingMFW 2026 #32 £XXXX/£6,000; MFW 2025 #32 £9,594.51/£3,000; MFW 2024 #32 £4,217.84/£3,000; MFW 2023 #32 £5,238.84/£4,000; MFW 2022 #32 £8,246.43/£8,000; MFW 2021 #32 £8,982.73/£8,000; MFW 2020 #32 £12,000/£6,000
Save £12k in 2026 #32 £XXXX/£18,000; Save £12k in 2025 #48 £20,000/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000
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#50 Overpayment of £127
total for December £495.48MFW 2026 #50: £3,583.49/£25,00007/03/25: Mortgage: £67,000.00
Mortgage:
02/01/26: £60,223.17
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
Savings: £20,0001 -
#61, £1,300 for November
Challenges
NSD - January - 2/10
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,557.64
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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#5 December OP made of £291.That’s me done for 2025. Well done everyone on the thread, looks like the grand totals pledged at the start of the year might be met. Looking forward to next years OP’s now but will enjoy the festive season first.
Wishing you all a fabulous Xmas and New Year 🎄⛄️.
Thanks for keeping me motivated Julicorn and for running this thread xx3 -
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 = 43.5k (4.19% -> 3.94%)
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And with that, we've hit both our annual goal and the £700k mark!
The current total stands at an amazing £705,813.29, well done everyone 
It's especially impressive given that in 2024, we only got to £401,383.38 over the course of the year!16 -
WOW great work everybody 🥳julicorn said:And with that, we've hit both our annual goal and the £700k mark!
The current total stands at an amazing £705,813.29, well done everyone 
It's especially impressive given that in 2024, we only got to £401,383.38 over the course of the year!
MFW
Opening Mortgage Balance 16/06/2024 - £99569.04 term remaining 80 months (Feb 2031)
Current Balance £23,000
MFW 2025 #31 £40,000 / £28,000 OP
MFIT - T7 £40,000 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 Forum3 -
#87
Another £1400 overpayment which will be it for this year.
We've taken £25k off the mortgage balance this year. £178k to go!
Please add me to next year with a target of £14,400Officially in a clique of idiots3
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