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2026 Mortgage-Free Wannabes

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Comments

  • scottishlass
    scottishlass Posts: 1,974 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    #24 with another OP of £1555.26 bringing January so far to 1924.08.

    Thanks @julicorn

    2020 Mortgage-Free Wannabes #20 £1495.03/£2760 OP
  • SuperSavingD
    SuperSavingD Posts: 598 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    #5 Made another £40 OP

    Jan total £306.00

    Thank you Julicorn
  • Jemma01
    Jemma01 Posts: 513 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    soapy50 said:
    Just want say a huge thankyou to @julicorn for running and managing this again for 2026. But I'm afraid I won't be joining in anymore as I've just paid off the last £19,670 owing on my mortgage! I am now officially mortgage free!! Thanks once again for helping me to keep on track and keeping me motivated 😊 Good luck to everyone else on their journey to become mortgage free!

    Congratulations 👏🎉🎈 what a start of a year 💕
    I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.
    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 = 44k      (4.19% -> 3.94%)
    • Q1/2026 = 42k      (3.94%)
  • julicorn
    julicorn Posts: 2,680 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    soapy50 said:
    Just want say a huge thankyou to @julicorn for running and managing this again for 2026. But I'm afraid I won't be joining in anymore as I've just paid off the last £19,670 owing on my mortgage! I am now officially mortgage free!! Thanks once again for helping me to keep on track and keeping me motivated 😊 Good luck to everyone else on their journey to become mortgage free!
    Huge congratulations and well done! <3 What a fantastic start to 2026 :)
  • SeekingFlight
    SeekingFlight Posts: 207 Forumite
    Tenth Anniversary 100 Posts Name Dropper
    @soapy50 Amazing, what a January feel good moment  B)
    #5 Make £2026 in 2026 £105/£2026
    #63 Mortgage Free Wannabe 2026 OP £1100/£38,100
    Decluttering Campaign 0/2026
    "Remember not to do too many things at once" said me to herself.
  • Sammie_1985
    Sammie_1985 Posts: 100 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    soapy50 said:
    Just want say a huge thankyou to @julicorn for running and managing this again for 2026. But I'm afraid I won't be joining in anymore as I've just paid off the last £19,670 owing on my mortgage! I am now officially mortgage free!! Thanks once again for helping me to keep on track and keeping me motivated 😊 Good luck to everyone else on their journey to become mortgage free!
    Congratulations 🎉🎉🎉🎉
    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 6mths

    🏡Mortgage Now - £188,600
    💫Term Remaining (With Overpayments) - 21yrs 4mths

    🗓️256/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £628.65/£7000➰

    💰EF - £3897/£9000


  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,228 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congratulations @soapy50 what a fantastic start to the new year!! 
    #26 checking in with a small £10 OP from survey money.
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £100/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • carboot_karaoke
    carboot_karaoke Posts: 515 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper
    Many congratulations @soapy50

    #31 Reporting my first £1000 OP of the year.

    Many thanks @julicorn
    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 Forum


  • AuntieL
    AuntieL Posts: 468 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    @soapy50 Well done on being mortgage-free! What a wonderful feeling 🥰
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    January 2026 NSD Challenge 5/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £92,396.89 (10years 4months)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £44.43/ £1000
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