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
2025 Mortgage-Free Wannabes
Comments
-
Number 21 with an overpayment of £101. That makes a December total of £308. Thank you Julicorn, hope you had a nice Christmas 🎄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%)2 -
Evening all, l have just made my final £1000 OP for 2026
This brings my month total to £3,500
My years total is £40,000 😁 see you on the 2026 thread.
Many thanks @julicornCurrent Balance £10,750
MFW 2026 #31 £12,250 / £17,000 OP
MFIT - T7
Emergency Fund £4,410 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £130 / £365
Declutter 37 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01 Mar £352.91 April £422.85
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum6 -
Number 21 with a final 2025 payment of £117. That makes a December total of £425. Thanks a million Julicorn for running this thread and keeping us all in check 🥳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%)3 -
#32 here just coming to say I’ll update my December payment the first few days in Jan. I wait to see what my balance is and then round up the OP to leave a round figure. Thank you @julicorn for managing this year. See you in the MFW 2026.
MFW 26 #32 £2,686.88/£6,000; MFW 25 #32 £9,594.51/£3,000; MFW 24 #32 £4,217.84/£3,000; MFW 23 #32 £5,238.84/£4,000; MFW 22 #32 £8,246.43/£8,000; MFW 21 #32 £8,982.73/£8,000; MFW 20 #32 £12,000/£6,000
Save £12k in 2026 #32 £8,625/£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
1 -
Number 15 with a late check-in of £250 for Oct, £250 for Nov, and £250 for December. Thanks Julicorn
- Original mortgage end date: March 2041
- Current mortgage end date: Dec 2032
- MFW 2026 #15 573.30/2000 /// MFW 2025 #15 1628.00/ £2,400 /// MFW 2024 #15 £1,608.85/ £2500 /// MFW 2023 #15 £8,617.84/ £10,000 /// 2022 #15 £7,315.24/ £7250 /// MFW 2021 #15 £8,530.07/ £8500
- Daily interest is currently £3.48
1 -
#67 with my final payment of the year, £112.97.
Didn't quite reach the amended £3k goal, but still relatively happy with what I achieved.MFW 2026 OP Challenge Target £4000
January = £277.71
February = £239.63
March = £347.00
£864.34/£4000
Little and often, that's the key. IYKYK1 -
#38 with my final overpayment of 2025 of £848.62. This brings my overall total for 2025 to £16090.54 which smashed the target I'd set. Gives me huge motivation to continue this into 2026 when I hope I will be very close to paying off my mortgage in full.
Thanks to @julicorn for running the challenge and wishing you all a very happy new year!MFW 2022 #88: £6620/£6000
MFW 2023 #38: £13242.13/£6000
MFW 2024 #38: £15792.12./£9000
MFW 2025 #38: £16090.54/£7500
MFW 2026 #38: £6599.65/£9500
Thank you to all competition posters1 -
16 - 904.15 - December payment please.
Many thanks Julicorn
Happy New Year all.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 £01 -
Happy New Year everyone, and thank you all so much for taking part in 2025! Well done if you've beat your target, but also well done if you've made any overpayments at all, or saved for a goal that's important to you - it's all progress in the right direction. Collectively, we've beaten our target with an amazing total of £730,239.51 - and I know there are still a few updates coming in over the next few days and weeks.
I hope you all have a great start to 2026!
10 -
Over £730k is staggering
Well done everyoneCurrent Balance £10,750
MFW 2026 #31 £12,250 / £17,000 OP
MFIT - T7
Emergency Fund £4,410 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £130 / £365
Declutter 37 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01 Mar £352.91 April £422.85
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum3
Confirm your email address to Create Threads and Reply
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
- 261.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards