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2025 Mortgage-Free Wannabes

18991939495

Comments

  • Hettyhound
    Hettyhound Posts: 1,139 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Number 21 with another December OP of £40, making a total so far in December of £207.  Thanks 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 £16,453[/COLOR] 2025 OP £2991/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £5477/£21,930 (24.97%)
  • Sandyra
    Sandyra Posts: 309 Forumite
    Tenth Anniversary 100 Posts Name Dropper Cashback Cashier
    #32 - Nov OP of £926.18 please

    Thanks for managing 

    MFW 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

  • MFWannabe
    MFWannabe Posts: 2,512 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    #50 Overpayment of £127 
    total for December £495.48

    MFW 2026 #50: £3,583.49/£25,000

    Mortgage:
    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




  • #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)

  • #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 xx
  • Jemma01
    Jemma01 Posts: 501 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    edited 7 December 2025 at 5:26PM
    #46 Can I please add another 10k for December please? Total should be 16k
    Thanks a lot
    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%)
  • julicorn said:
    And with that, we've hit both our annual goal and the £700k mark!  <3 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!
    WOW great work everybody 🥳

    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 Forum


  • RedFraggle
    RedFraggle Posts: 1,489 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 9 December 2025 at 7:31AM
    #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 £14,400
    Officially in a clique of idiots
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