Kimplus8 needs her mortgage free date!

kimplus8

Well 2025 didn’t end as expected, multiple work needed on the house means overpayment have been small but frequent. Kitchen needs some plumbing work finished today and then I’m going to paint and put new Lino down as it got ripped when I moved in. 2026 I am locked in to start seriously overpaying xx

kimplus8

well january has gone well, despite being a 5 week month for payday i have managed a £1000 overpayment. My twinnies have turned 3 and have become entitled to their 30 hours free childcare so my plan is to use the money i would have given to nursery to throw at the mortgage. I am already budgeting without this money so i might as well start hammering the overpayments. I have also realised that I am able to overpay 3x my monthly payments with barclays as a lump sum payment without penalty, so if i can manage to hurl more than this at it i will and just watch that mortgage shrink each month!

mumtoomany

Hi and well done! Be gone in no time, hugs, mumtoomany.xxx

kimplus8

https://forums.moneysavingexpert.com/discussion/comment/81859056#Comment_81859056

how are you mumtomany!!!!

we got this, 2026 is the year to crack on with my MFW mission.

mumtoomany

hello, @kimplus8. I am very well thank, hope you are too. Although feeling much too old! I'm now mum to many and gran to 6! Latest DGS is 6 weeks old.

Becoming mortgage free was the best thing we ever did. Gives you security, no matter what life throws at you. Keep up the good work. Hugs, mumtoomany.xx