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The Mortgage Free in Three - Take 7 challenge (MFiT-T7)
Comments
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Hey there, I don't seem to have received your registration form - would you mind filling it in one more time? Not quite sure what's going on there!Squirrelz92 said:Registration submitted
Starting point is £88,219.02 at 31st December 2024.
Goal is to reach £67,515.71 at 31st December 2027.
Movements included 36 regular DD payments of £393.99 per month and the following OP's:
2025: £4,000
2026: £6,000
2027: £6,000
Many thanks for running this 3 year challenge! Excited to be a part of it on-top of the regular yearly MFW challenge!1 -
HI, I have just resubmitted my formjulicorn said:
Hey there, I don't seem to have received your registration form - would you mind filling it in one more time? Not quite sure what's going on there!Squirrelz92 said:Registration submitted
Starting point is £88,219.02 at 31st December 2024.
Goal is to reach £67,515.71 at 31st December 2027.
Movements included 36 regular DD payments of £393.99 per month and the following OP's:
2025: £4,000
2026: £6,000
2027: £6,000
Many thanks for running this 3 year challenge! Excited to be a part of it on-top of the regular yearly MFW challenge!
Debt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0001 -
Hi Julicorn,
Thank you for running the challenge, I spotted this a few days ago and have been deliberating. I have Submitted a form £3K per year for EF or New Car or Both. I have updated my calendar with the new event to update you 25th Every 3 months, I already know the first month will be zero, owed to the fact that I am not paid until 31st and all that money is going to pay off the credit card. But I will update again on 25th if you like? Thank you. Also I am starting on Zero. Thank you.Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.2 -
Hi there, it's absolutely fine for some forms to be 0. Also, you only need to update every 3 months anyway, so I would recommend just submitting the correct balance whenever you send through an updateCrazyBee787 said:Hi Julicorn,
Thank you for running the challenge, I spotted this a few days ago and have been deliberating. I have Submitted a form £3K per year for EF or New Car or Both. I have updated my calendar with the new event to update you 25th Every 3 months, I already know the first month will be zero, owed to the fact that I am not paid until 31st and all that money is going to pay off the credit card. But I will update again on 25th if you like? Thank you. Also I am starting on Zero. Thank you.
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Thanks so much, safely received this time round!Squirrelz92 said:
HI, I have just resubmitted my formjulicorn said:
Hey there, I don't seem to have received your registration form - would you mind filling it in one more time? Not quite sure what's going on there!Squirrelz92 said:Registration submitted
Starting point is £88,219.02 at 31st December 2024.
Goal is to reach £67,515.71 at 31st December 2027.
Movements included 36 regular DD payments of £393.99 per month and the following OP's:
2025: £4,000
2026: £6,000
2027: £6,000
Many thanks for running this 3 year challenge! Excited to be a part of it on-top of the regular yearly MFW challenge!
0 -
Current Balance £22,000
MFW 2026 #31 £1000 / £17,000 OP
MFIT - T7
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £20 / £365
Declutter 0 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum1 -
Hi @julicorn As I stipulated before I am actually starting at minus, however on payday I will pay off credit card debt fully and next time I should hope to report some figures. I had been out of work for four months. Thanks.Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.0 -
Hi everyone, thank you so much for registering for the T7 challenge! I've just posted the table, have a look at the first post on page 1 and you'll see your number there

I believe there are a few people who accidentally sent through a registration on the T6 form. If that's you, please re-submit your registration using the correct form (the one posted in this thread), and I'll add you in next time I update the table.
Wishing you all the best for the next 3 years, you can do this!
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Morning all,
Form submitted as I have moved money around and know there's no more OPs to be made this month.
Thank you @julicorn for running the challenge.
SMortgage £39,933
MFW 2022 #35 10,000
MFW 2023 #3 10358.97
MFW 2024 #3 10000
MFW 2025 #3 10000
MFW 2026 1236.62/4100
MFiT-T7 #10 aiming for 16k https://forums.moneysavingexpert.com/discussion/6283332/halving-our-income-and-still-aiming-for-mortgage-free#latest2 -
Sorry am I being daft? I'm in peri so very possible....I can't see what my challenge number is and it's really thrown me. I don't know if it's the same for the new challenge - I can't remember.Reduction in daily mortgage interest since October 23 (new mortgage) - £2.84 December 25
% of house owned/% of mortgage paid off. December 25 - 40.34%/33.36%
MFiT-T7 #21
MFW 2025 #2
MF Date: Oct 37 Feb 370
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