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Mortgage free wannabe part 2
Comments
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So another £0 day today
3/31 this month so farMFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December0 -
4/31 £0 spend days
so doing well
MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December0 -
£6.50 spends today
So not too bad
MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December0 -
5/31 no spend days
finding this week hard, definitely need a different career , too much stress!
got a few days off next week which i need.
we will see how much pay is left over.
MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December1 -
Not doing well on no spend days this weekend, daughter partner birthday so treated them to spoons Friday night and meal yesterday.
should still be able to overpay mortgage and put a bit in holiday fund.
Just 5 days til new spending allowance kicks in and i can see how much of wages can be saved.
counting down.
should have a few more £0 spend daysMFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December2 -
£6 ish McDonald’s yesterday
2x meal, saver
been good on spends last week so had a bit left over to save this month.
Really cut going out, spent about £300 on meals over last month and that’s definitely something that can be reduced and it will help the waist line!
£150 xtra holiday paypal
£200 daughter bday money
£200 euros for holiday
£90 mortgage ish, will round down to nearest £100
just see how much interest this month, it’s interesting how it goes down then seems to go up a bit even though you have less money in there and you are on a fixed rate, wonder whyMFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December1 -
The fluctuation in the amount of interest charged is probably due to different numbers of days in the month?Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
Thanks that would make senseSouth_coast said:The fluctuation in the amount of interest charged is probably due to different numbers of days in the month?MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December1 -
Same here, it's due to the number of days, sometimes wishing every month was a February
Mortgage: £173,700 Sep 22 £157,700 Feb 26
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £9,200 Feb 26
NSD: Jan: 17/31 | Feb: 12/28
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
Sealed Pot Challenge #022
2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200
2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200
2 -
I’m awake at stupid o’clock but luckily it’s a day off tomorrow, sorted all my payments out as it’s payday, hubby’s payday is in couple days so sort rest out then.
then wait for mortgage payments and put a little more in OP
have overpaid £500 more this month so balance is nearing a 6 starting number, seemed to drag it’s self to that number and still won’t be there this month.
MFW December 2026
Initial mtg £100,000 Janoverpayment allowance, (May 13th 2026).
End fix rate of 2.79% July 27.
January 2026 £53,450
February £52,880
March. £52,320, £52,300
April £51,750 £51,740
May £51,196
June
July
August
Sep
Oct
Nov
December1
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